BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2022-02-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please Advised I applied for an XXXX XX/XX/XXXXcard with chase on XX/XX/21 & XX/XX/21. It is clear that chase is participating in discrimination and predatory lending. JPMCB open the card with an approval of XXXX and sent me a letter saying I was approved. Once I received the card and tried to active the card it had been canceled, saying I needed to prove my identity. So I went into a branch here in XXXX, ga I also faxed my id and made numerous calls to chase. All i received was a run around. Then on XX/XX/21 I was told I needed to re apply and they then denied that application. How i have 2 inquiries on my which cased me to lose points on my credit Chase open and closed an account base on not having proper identity that they said credit score. But was score was XXXX at that time. JPMCB then cased more damage to my score by putting it on my credit as a closed account, that was really never opened. It could be me but this seems to be some type of discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit some checks into my bank account on XX/XX/XXXX I have a bank with regions account they put a hold on my account and told me they will hold the checks until XX/XX/XXXX and XX/XX/XXXX the checks has been released and they still havent taken the hold off my account or release my funds Im about to get put out the person who checks those was my girlfriend and her bank also called and confirm them checks was real and has been cleared for her account she bank with XXXX XXXX XXXX XXXX I have reached out them so many times cant get this issue fixed I also went inside a branch multiple times I still didnt get it fixed I just want my money

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 2020-09-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We lended XXXX dollars from synchrony bank in XXXX XXXX while buying appliances.we enrolled for paperless but never got statements in mail or email after multiole requests.Recently we were reviewing all accounts due to changed situations.To our shock, we found out that 1.After promotional period ended synchrony bank charged me interest not just in balance left but for total amount for XXXX percent interest, which is never heard of. 
2.I have explicitly asked them to remove insurance in XXXX over phone but they never did and kept charging 3.After paying them close to XXXX dollats, synchrony is expecting me to pay another XXXX to settle balance 3.In current covid situations this has been impossible and we r at total loss 4.please help n stop such fradulent practices 5.they hided all this in fine print n deceiving customers

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 2018-08-27
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
RE : Previous complaint No. XXXX - **** Inadequately disclosed outrageous early withdrawal Penalty. **** I finally did receive a copy of the " Deposit Account Agreement '' which I requested from Discover Bank with 3 or 4 phone attempts starting well over a month ago. Thank you. While this agreement does show the early withdrawal penalty for my 10 year CD being the outrageous 24 months of simple interest I was not well informed of this penalty being the 24 months instead of the 7 months penalty of my previous 2 CDs with Discover Bank. It is claimed by Discover Bank that this online application was electronically signed which I do not remember but would not have agreed to the 24 month penalty if it was made apparent to me. It had to be concealed in " fine print '' somewhere - I now understand why - who would open a CD with a 24 months penalty for early withdrawal. 

I want to be refunded 17 months of simple interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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 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 2020-09-19
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX from XXXX, Experian and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from XXXX XXXX Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. 

XXXX XXXX XXXX has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. 

I have have asked XXXX Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well.

This is the Information that the credit bureaus are supposed to store in their database on every consumer.

As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to all three of my credit reports. Experian, XXXX and XXXX. 

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX XXXX and the disputes that i have submitted.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: OK
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:
Have troubles submitting this dispute for fraud accounts 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I recently reviewed a copy of my credit report. I was shocked to learn I am victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account 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 2023-04-20
Company: Experian Information Solutions 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$340.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00}, XXXX  XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX from XXXX, XXXX and Equifax stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from XXXX XXXX XXXX how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. 

XXXX XXXX XXXX has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. 

I have have asked XXXX Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and Equifax. 

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX XXXX and the disputes that i have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX credit card company closed our credit card in XX/XX/XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from XXXX XXXX XXXX. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date XXXX XXXX XXXX closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After XXXX  XXXX XXXX closed my account, I paid XXXX  XXXX XXXX when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or XXXX XXXX XXXX " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote XXXX of XXXX. I called XXXX XXXX XXXX and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to XXXX XXXX XXXX who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, XXXX XXXX XXXX continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XX/XX/XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But XXXX XXXX XXXX and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.

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