BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a XXXX 's XXXX card thru synchrony bank. I paid off the account 26 % interest with checks I receive from another account. XXXX XXXX had closed that account 3 months prior ) my thinking was they were reopening the account due to the fact they sent checks. They did not pay so my XXXX 's account was pass due {$35.00} now due XXXX. I had never been late and always paid more than was due. Then the phone calls started from some overseas XXXX people I could barley understand. They call day and night from XXXX to XXXX pm ever XXXX to XXXX minutes. I have paid their {$35.00} and BEGGED them to stop calling but they still call. I am a senior with severe XXXX XXXX. I have called Synchrony bank and told them all will be paid on the due date like my statement says but they said NO I will continue to get daily calls that is their practice Is their anyone out there that can stop this company!!!.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2021-07-16
Company: New Mexico Educational Assistance Foundation
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy. I take no ownership of the debt but it was included in my bankruptcy and was discharged. It was removed legally because it caused undue hardship. They were notified at that time the debt was discharged and it had gone unreported on my credit report for years. In XX/XX/XXXX & XX/XX/XXXX they falsely reported that I was 60 days late on a payment to them and then they continued to not report for the next couple of months. It is illegal to report false information to credit bureau and illegal to attempt to collect a debt not owed to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My information was used to obtain two different loans one from XXXX XXXX and XXXX XXXX XXXX. I have mailed in documentation to the financial institutions denial of financial responsibility forms signed by a notary. The companies have not stopped harassing me and they want me to pay for something associated with fraud. I have requested a contract with a signature that belongs to me and they have yet to produce one whatsoever. I have mailed to them proof that the debt and loan does not belong to me and they have not produced any validation of any agreement that verifies I have any loan or promise to pay XXXX XXXX or XXXX XXXX XXXX any financial responsibility.

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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a request to Transunion Credit bureau on XXXX/XXXX/XXXX to remove an item that was far too old to still be reported on my credit report. This was the second request for the same issue. I adhered to the payment contract for XXXX XXXX and the account had a zero balance. This information has been reported on my account for over XXXX years. The most recent investigation from Transunion has said that according to their investigation the account is active and current and will continue to remain on my credit report. This is not legal and does not adhere the fair debt collection act. I want this credit bureau to stop breaking the law and remove this from my credit report. This has been reported shortly before 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 2023-08-22
Company: JPMORGAN CHASE & CO.
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:
I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes. 
Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading. 
In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Immediately cease and desist any further legal actions, including the pending lawsuit relating to this account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. 
Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX
Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: $XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XX/XX/XXXX for 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 2023-08-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Nissan-Infiniti excessively charged me when lease was up. I had two offers to sell the car before lease ended and they made it hard for anyone to buy the car. The car was valued at more that what was owed at end of lease. I tried turning in the car several times after they made it hard to sell, but ran into several road blocks. They had placed a code on the account to were I could not turn the car in or sell it to a dealership. They reported me with late payments that are incorrect. They charged me {$10000.00} at the end of lease and reporting the erroneous amount to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. JPMCB CARD SERVICES on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED XXXX XXXX AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
In 2016 me an my wife were defrauded. Bank of America didn't really care what happened and still reported us to XXXX XXXX created a real hurdle for us to find another bank account after the scam forced us into bankruptcy. Not sure if we can make a case to sue them so doing everything I can to find justice by other means.

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 2023-04-09
Company: EQUIFAX, INC.
State: GA
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:
Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between XXXX and XXXX. XXXX shows the full account number as XXXX, while XXXX shows only the first XXXX digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, Equifax does not provide any information about the account type detail. XXXX and XXXX both show the account type as " Revolving '' and the account type detail as " Credit Card '' for XXXX and blank for XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by Equifax. XXXX and XXXX both show the high credit as {$730.00}, while Equifax shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Finally, there is a discrepancy in the last reported date between XXXX and XXXX. XXXX shows the last reported date as XX/XX/2016, while XXXX shows it as XX/XX/2016. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2023 I rented a car in XXXX, XXXX and return the car same location and finalized my rental payment and obtain receipt from XXXX Rent A Car for a payment of XXXX in Euro. Later on, I receive my American Express for an additional separate charge of {$65.00}. 

I called Merchant ( XXXX ) and I asked for explanation for the {$65.00} charge. The Merchant, XXXX, told me that was for a traffic citation. I asked for a copy of the citation from police, they did not have one. I asked XXXX how they charged me if they do not have citation, no expiations was provided. I told them since they do not have the citation and or proof, I will dispute the charges. 

I did file dispute with American Express, after about a month, merchant sent American Express my rental agreement with explanation of why they charge my account, WITHOUT providing any citations from police. As a result of this response, American Express took XXXX XXXX side and closed my dispute in favor of XXXX. I spoke to American Express to reopen the dispute but, they did not re-open the dispute, ( called on XX/XX/2023 at around XXXXXXXX XXXX, spoke to a person introduced himself as XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 u.s.c 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accts have 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 an account without written instructions. 15 u.s.c 1681 c. ( 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 7 years. 15 u.s.c 1681 S-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 2021-07-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My correct Name is XXXX XXXX XXXX These names below are incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Recovery Services on behalf of XXXX XXXX unlawfully filled collection action on behalf of XXXX XXXX XXXX. 

In XX/XX/XXXX I was initially contacted by XXXX XXXX w/SWR about a bill from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX for a date of service of XX/XX/XXXX. which he said he received from XXXX XXXX XXXX in XXXX of XXXX. Is the timeline odd enough? Wait, it gets better ... 

I asked that he send me the bill and I would forward it to XXXX for payment because this was a worker 's compensation injury. He agreed and said that he would reach out to XXXX XXXX XXXX and provide me a copy of the bill, however, with the Covid going on, he was not confident that he would get a quick response. 

He called back a couple of times, left a message, I returned his calls and I reminded him that he said he would get me a copy of the bill so that I could provide the same to XXXX for payment. He said that he had reached out to XXXX and had not heard back from them. 

I never received any written or electronic correspondence from SWR whatsoever. 

The burden of proof roles flip : On XX/XX/XXXX I was notified by the credit bureau that I had a collection activity on my credit report. I called SWR and could not reach Mr. XXXX, nor has he returned my call. So I called XXXX myself talked to someone in the billing department who said that all of my XXXX XXXX bills have been paid in full and suggested that she could transfer me to the Physician billing Department. I then spoke to Ms. XXXX XXXX in the Physician billing department who indicated that during my visit on XX/XX/XXXX I was not seen by XXXX XXXX and my bill was paid in full by the XXXX  for all of my visits to their facility. Ms. XXXX email me an itemized statement for XX/XX/XXXX which clearly shows that I was never seen by XXXX XXXX nor is he affiliated with XXXX. 
Fun fact : I am unable to find a XXXX XXXX practicing in XXXX  She went on to say that XXXX has no relationship with XXXX XXXX nor Southwest Recovery Services and clued me into the fact that SWR had no right to negatively impact my credit without providing an itemized statement prior to reporting credit bureau. 

Based on my investigation Southwest Recovery Services had no legal right to initiate collection activity on behalf of XXXX because XXXX doesn't have a contract with SWR. They can not produce a bill or statement of services and yet this did not stop them from their collection efforts. 

One thing is clear : Their approach is disorganized, irresponsible, and caused unnecessary harm to my credit reputation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CITIBANK, N.A.
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:
a. I fully paid off all my charges in XX/XX/2018 for my Citibank AAvantage Card. 

b. I called in XXXX to close the account and was assured by the agent I spoke with that I did not owe anything including the annual membership fee. 

c. At the end of XXXX, I received an email stating that my account was past due and I owed over {$600.00} due to the annual fee remaining on the account and accruing interest and late fees. I had not been receiving statements since we moved to XXXX and assumed the account was closed after the phone call in XXXX. 

d. After numerous lengthy phone calls, which culminated with Citibank reviewing the audio transcript of my XXXX call with the agent to close the account, Citibank acknowledged the error and removed the annual fee, all the late charges and interest. 

e. Now I am trying to purchase a new home and the only blemish on both my wife and my credit reports is this issue that was reported by Citibank as the account being 90 days past due. This has dropped our scores significantly from a 30 year unblemished history. 

f. I have requested that all the adverse reporting be removed, but several weeks later after multiple phone calls nothing has happened. Several of the agents that I have spoken with have admitted the Citi error. I'm sure these calls were recorded I am a XXXX  veteran with four tours in XXXX and my wife is also a veteran. Between the two of us, we have nearly 50 years of service and this is the first time we have had negative items on our credit report. Please help.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief