BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with Chase bank XX/XX/XXXX Everything was fine got approved got my temp card, ordered checks made deposit on both checking and saving account. 
2 weeks later Notice i wasnt able to use my card to purchase anything after I activated my card Call XX/XX/18 they stated that they closed my account without noticed - they refused to tell me why no explication or no rsolution to fix the issues ... I feel I have the right to know my history or atleast why they denied keeping my account open with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland credit management ( mcm ) garnished my XXXX XXXX XXXX XXXX account and locked all of my accounts with the credit union. I paid Midland credit management on the XX/XX/2023 which was within 24 hours of notification from XXXX XXXX XXXX. MCM was in the process of garnishing my va XXXX which is the only income I receive. I've paid them every cent and they still hasn't released my XXXX XXXX XXXX XXXX. They still have my accounts on garnishment locked. I need my bank account released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: OH
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2018-02-12
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: Personal information incorrect

Complaint:
I tried disputing this address off my report two years ago. 

XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/2023 Ive notice this fraudulent account SYNCHRONY BANK XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXXXXXX 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 2021-08-24
Company: Shellpoint Partners, LLC
State: NJ
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:
My mortgage account was in forbearance from XXXX to XXXX of 2021. The person handling the case at Shellpoint mortgage openly admitted to submitting my paperwork earlier than it should have been. Now its saying that I am 2 payments behind and they reported one already and it has dropped my credit score. I disputed it once and they removed it and my credit score went back to the original score. I disputed it again and it was confirmed that I was correct but they did no correct the report and my credit score was impacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, 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 2023-10-09
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When applying for Care Credit, XXXX, and others They send me a copy of the data and it says my score is in the XXXX 's. My XXXX XXXX says for XXXX I have a score of XXXX and of XXXX XXXX. XXXX also says I have a 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 they collections account was a result of identity theft. Both original creditor, XXXX XXXX, and collection agency, XXXX XXXX XXXX XXXX XXXX, both closed my account with non-monetary relief after my complaint for the collection account in the amount of {$800.00}. It is now reporting to the credit bureaus with a new collection agency, Credit System International.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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 the fair credit act DEPTEDXXXX XXXX XXXXXXXX has violated my rights 15. U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 604 A. A consume reporting agency can not furnish a account without my written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of 2022, a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$9700.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$1300.00} account # XXXX 30 days late in XX/XX/2022 2022

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 2020-12-01
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX opened an Apple Card account and placed in their " XXXX  '' electronic portal and is charging my XXXX  subscription to the account, bypassing the XXXX XXXX  account I established to pay Apple. On XX/XX/2020 I contacted Apple. " Apple Card : I never signed up for an Apple Card. I do not need another credit card. I have a XXXX credit card that goes with my Apple account ''. I am being pushed around between Apple and Goldman Sachs the card issuer. I have a trail of messages in which I made two request have the Apple card terminated. I paid pass bills via a check and requested termination of the account. XXXX XXXX XXXX charged the XXXX account and the Apple account. XX/XX/2020 I filed a dispute with the merchant Apple. I can not get the Apple card removed. The Apple Card is all electronic. I do not know the account number. I have no control of the card. I am requesting CFPB investigate the practices of Apple and Goldman Sachs. To repeat I never applied for an Apple Card. I never signed any documents agreeing to use Apple card. This is fraud in my book.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE CONTACT EQUIFAX EVERYBODY 'S INQUIRIES THAT I DO NOT KNOW ABOUT I DISPUTED EVERYONE THAT'S ON MY CREDIT REPORT EQUIFAX SENT INFORMATION BACK TO ME SAYING THEY AGREED WAS ON MY CREDIT REPORT I HAVE TRULY TRULY TRY DEALING WITH THIS ISSUE EVERY TIME PUT IN DISPUTE THEY DENIED THE DISPUTE ALL OF THE DISPUTES OF INQUIRIES THAT WAS MADE ON MY CREDIT REPORT OF ME OR NO KNOWLEDGE I ALSO HAVE ON THEIR STATEMENT LETTING THEM KNOW THAT I WAS IDENTITY THEFT I HAVE FOUND SEVERAL COMPLAINTS WITH HIM DISPUTES I HAVE ALL COMPLAINTS REFERENCE NUMBER REPORTS ON EQUIFAX EQUIFAX SENT ME AN EMAIL DENYING ALL MY CLAIMS I SENT THEM OVER 20 TIMES THE SAME INFORMATION THEY REQUESTED FOR IT IS NOT MY FAULT OF MY PROBLEM THAT THEY LOSE OR LOST MY INFORMATION I REFUSE TO SEND THEM IN THE SAME INFORMATION THEY REQUESTED THE FIRST TIME I SENT THEM THE INFORMATION THEY SAID THAT I HAVE TILL XX/XX/XXXX OR XX/XX/XXXX TO SEND THEM THE INFORMATION AGAIN WHICH IT WAS SENT TO THEM ON PROPERT APPROPRIATE TIME. I BELIEVE ON 100 % SHUTTLE WITHOUT THAT THIS IS RETALIATION OF ALL REPORTS CLAIMS AND COMPLAINTS THAT WAS MADE BY ME FROM THE FTC I HAVE BEEN MORE THAN PATIENT WITH HIM OR DOING WITH THEM AT THE SAME TIME I'VE BEEN OVERWHELMED XXXX MENTAL EXHAUSTION AND THEY STILL DENYING MY CLAIM I DON'T KNOW WHAT'S GOING ON WITH THEM AND WHY THEY CONTINUE TO DO THIS I KEEP SENDING THEM ALL THE INFORMATION IN I REFUSE TO RESEND ANY INFORMATION IN AGAIN IT IS NOT MY PROBLEM NOR MY FAULT THAT THEY LOST THE INFORMATION MY INFORMATION ON MY TIME. HOW MUCH MORE CAN I GO AND DEAL WITH THIS WITH EQUIFAX THIS IS TOTAL OF DISCRIMINATION RETALIATION AND I'M TIRED OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2018-10-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was going to use my business checking account or personal debit card to make payments but was advised that I can not use any account that is not under my name or a debit card. Debit card because it will cause payment failures. From my understanding making a payment via debit card is faster as the funds are withdrawn immediately and there would be no concerns with a payment return like it happens with checking/savings account as it takes days to withdraw and can be disputed afterwards. If I came across an issue where I needed assistance and family wanted to help with payments I would not be able to get help to make the payment online as I have to have the bank info under my name. This causes for additional struggles and additional interest to accumulate on my loan. I could be making the payment same day with a debit card if the payment fell on the weekend but because they won't accept it the payment moves to the next business day causing more interest that I was trying to avoid. When getting this loan through this company there were no indications that I would be tied on how I could make my payments. They don't think about making it easier on the customer or try to aid in making improvements for a better customer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2019-02-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
XX/XX/2019 i sent my granddaughter {$230.00} through paypal. she is a XXXX national. she is a minor child. paypal is not supposed to allow minor children to have an account. she has lost the information on the account and has no way to prove it is her. paypal has refused to return the funds to me. they remain locked up in an account no one can access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do NOT recognize this alleged debt from XXXX. Is that the XXXX XXXX Acronym? 
I have NOT had this account ; I do NOT owe this debt. 
I have NOT been notified by the Debt Collector I owe this UNtrue debt. 
It is impacting my good Credit file negatively & Unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: VA
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 am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.

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 2023-03-31
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Goldman sach 's bank usa closed my account ending in XXXX and ending in XXXX on XX/XX/2023 20 minutes after been full identity identicated verified with fraud department who XXXX XXXX a supervisor in fraud dept removed all blocks on account. 
And said it was okay to used both accounts. Also she confirmed there were no account reviews which is stranged from past agents who said only account ending in XXXX was in review. 20 minutes later same day i recieved notices that both accounts were closed. 
I contacted customer services and transfered me back to fraud department a different supervisor told me account was closed from back office team after retriction was lifted from XXXX XXXX. 

I believe goldman sach 's bank usa discriminated me and also closed my accounts due to previous cfpb complaints filed against the company.

i am waiting on a good reason why my account was closed when i was verified threw fraud dept.

its always back in fourth errors with their agents and put unnessary account reviews when issue was resolved numerious times. as a punishment they come up with some excuse to close my accounts as punishment retailation.

i will seek attorney to sue this company for discrimination.

now i have unwanted closed accounts that will damage my credit because of agent errors.

Company response to consumer: Closed with explanation