BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: DC
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:
I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXXto XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

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 2021-06-21
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:
XXXX XXXX is showing a debt that is not mine. I have requested Experian to remove this debt but they did not remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants did not verify a debt and has violated my rights. They removed the debt from the three credit bureaus and then after a few months added it back on XXXX without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I send a request to XXXX and Experian to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a trip via Chase XXXX on United Airlines. The flight was cancelled and I tried to get a refund. Chase told me that because United controls the ticket, they were unable to " access it '' to refund the points.

I contacted United and they refunded the ticket to Chase XXXX on XX/XX/2021 to allow them to access the funds. I called Chase back XX/XX/2021 to try and get the points back since the refund should have posted, and Chase travel claimed they still do not have access to the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX. I am a cardmember with CareCredit since XXXX. I have a already made a complaint to them with CFPB a few months ago because of discrimination, I had asked for a credit limit increase since I have been with them for so long and it had been the same and they denied. Yet, I know 2 people who are XXXX who have been with them for less time and they increased their credit limit when they asked. CareCredit contacted me and said they were going to look into it and never did. Now, they waited till this pandemic and in bad faith they decreased my credit limit in retaliation for the complaint that I previously filed against them. That is what they do. It is surprising to me hoe other bank institutions and big corporations are helping their consumers during this difficult time with disaster relief help in place and CareCredit awaits this hard time to lower my credit limit with no reason at all. I called them and the supervisor was extremely rude to me saying '' I Could not pay the month of XXXX '' I explained that I had called them before and explained I was directly economically affected by this pandemic and they removed the payments for XXXX and XXXX and the interest '', he also said I had missed payments when between the months of XXXX, XXXX or XX/XX/XXXX ( dont remember the exact time frame ''. I told him that I had called complaining that I had not received the bill neither any email alert and when I called about that they had fixed it. I told him that why they decided to decrease the credit limit now and if it was really my fault they would have decreased the limit around that time. In that moment I realized that they did that in a form of retaliation, specially in this time.

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 2019-06-25
Company: Mar Joe Enterprises
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report has some collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the originator and the debt collector is CBC collection agency. I spoke to the originator XXXX XXXX XXXX XXXX in TN they realized they had the wrong patient information. I live in CA and this hospital in TN, I have never had any contact with that place. They advised me the patient has the same name as me but no social and they agreed it is not mine. There are 3 reporting things from this place. I first called them XX/XX/2019 spoke to XXXX in TN then to XXXX. They said they would remove this and sent me an email but nothing has happened yet. The collection agency has not remove this. This debt is not mine ive never been to that hospital or had services. 
CBC, LLC {$16000.00} CBC, LLC {$630.00} CBC, LLC {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The balance on my XXXX account with Chase is XXXX, this includes a purchase in the amount of XXXX XXXX XXXX XXXX XXXX made on or around XX/XX/XXXX. This purchase was not received, XXXX left package at incorrect address, signed for by a XXXX XXXX. No one by this name lives at my address. Chase disputes as well as a XXXX XXXX in Executive Office is well aware of this information, XXXX XXXX keeps referring me to disputes team who refers me to another dept which is never open when I call. This purchase has been in dispute off and on Since XXXX, still no resolution. The balance was paid off less XXXX at one point, the amount in dispute. However, the account has since cycled and additional interest and fees charged. The last payment I made in the amount of XXXX posted on XX/XX/XXXX, I need this credited back as well as interest and fees related to purchase in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I requested XXXX  to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by LexisNexis. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, XXXX again informed me the information was confirmed by LexisNexis. My information was suppressed from LexisNexis XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested XXXX  to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX  XXXX is the bank with permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2020, I attempted to obtain my credit report from TransUnion, as I am the victim of identity fraud and required more in-depth information about the specific incidents involved. The Trans Union website linked me to the website : XXXX. On the website, the offer made in bold typing is to " CHECK YOUR CREDIT SCORE FOR {$1.00} ''. I used the service and viewed my credit report. 

A week later, on XX/XX/2020, I received notification that I had been charged {$25.00} USD for a membership with XXXX XXXX. Upon looking at the website more closely, I saw that there is an asterisk beside the Bold Statement, and at the bottom of the page in very small writing, it states that customers using the service will be automatically signed up for a monthly subscription. Furthermore, in order to cancel the subscription I didn't even know I signed up for, I could not even cancel online, but had to call a XXXX number, wasting hours of my time. 

I don't know if what they did is illegal, as technically they wrote the conditions of the agreement, but surely there must be some measures to protect customers from deceitful, intentionally misleading contracts like this.The fact that they are targeting people who require assistance with their credit, who are most likely financially vulnerable as it is, is in my opinion, abhorrent predatory behavior. 

I went to this website, under the advise of law enforcement, in an attempt to correct a crime commited in my name, and instead of offering assistance, TransUnion further took advantage of me. I have lost all confidence in the credit, banking, and financial institutions. Who do I turn to for help when the company that is supposedly responsible for helping me, robs me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: AMERICAN EXPRESS COMPANY
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 recently pulled my credit and I saw that I am listed on my family member account Amex credit card as authorized user. I never authorized this and I would like this removed from all three credit bureaus immediately and deleted on my credit report. I already have established credit and I dont know why Amex have me listed as authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form 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 non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XX/XX/XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XX/XX/XXXX Company- XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Company-XXXX XXXX XXXX date XX/XX/XXXX Company- XXXX XXXX XXXX Date- XX/XX/XXXX Company-XXXX Financial Date- XX/XX/XXXX Company- XXXX XXXX Date- XX/XX/XXXX Company- XXXX Card  Date XX/XX/XXXX & XX/XX/XXXX ( 2 Inquiries ) Company- XXXX XXXX  Date- XX/XX/XXXX Company-XXXX XXXX Date- XX/XX/XXXX Company- XXXX XXXX XXXX  Date- 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 2018-04-26
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: Information belongs to someone else

Complaint:
XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, XXXX, and Equifax. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
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: Old information reappears or never goes away

Complaint:
I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XX/XX/2019

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 2022-08-08
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: NV
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:
It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX HOSPITAL ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I graduated in 2018 from a XXXX College. XXXX XXXX College/XXXX. 
*I got NO support for Cirtification Testing or my studies durung their program!! 
*I have a cirtified XXXX XXXX. 
*I told the school UP FRONT during their enrollment interview that I needed XXXX  XXXX XXXX accomidations!! 
*The school promissed to give me XXXX accomidation help. 
*They failed to help get me accommodations. 
They did not have any!! 
*Navient is the private loan holder. 
The original loan was for {$1000.00} XXXX College did not inform me of student aid at first, and signed me up for a private loan!! 
This private debt has been assigned to various collection agencies. 
**I gave the last agency a lump sum of {$400.00}!! 
Plus ... small instalments.None of which went toward principle of the {$1000.00}. 
Navient has the debt up to {$4000.00} NOW!! 
I have XXXX XXXX am on food stamps and live in Public Housing, and Do Not Work In The XXXX Program I Attended The As XXXX XXXX!! 
* I Also OWE {$20000.00} + In Federal Student Loans To a Servicer. From This Fraudulent Co. 
*I Am A Responsible Person!! 
This School is So Fraudulent, They Were Closed For Making False Promises!! 
*I Have Firmly Asked Navient and Thier Collection Goons For Hardship. 
NOTHING!! 
The Interest Continues To Rise!! 
I Want RID of This Debt!! 
PLEASE HELP!! 
Ps. My claim is too OLD to be forgiven through the class action law suit towards XXXX  Colleges. 
Pss. 
I have seen 2 lawyers.No help Pss. 
Their is borrowers defense. I have Not Got Any Help For This Private Debt or Federal!!

Company response to consumer: Closed with explanation