BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received a text message from XXXX  about my Chase card being restricted and to call ( XXXX  ) toll number. Dont call - report it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. Synchrony/ XXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped XXXX points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.

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 2019-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX a commercial equipment lease was opened with XXXX XXXX for 2 commercial refrigerators for XXXX XXXX DBA/ XXXX XXXX XXXX  XXXX. 

The account came 30 days past due in XX/XX/XXXX, The account was reported on my personal credit report file as 30 days past due for a personal auto loan. 

At this time the account is current with no past due amount. 

I am requesting that the credit report file be removed because I did not take out a personal auto loan with XXXX XXXXXXXX, also this is a commercial loan and it should not be reported on my personal credit file. This should be reported on the business credit report file. I've attached a copy of the original commercial lease agreement for review.

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 2019-10-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have repeatedly requested statements from American Express from XX/XX/XXXX through XX/XX/2016. I requested copies in XX/XX/XXXX, XX/XX/XXXX and most recently on XX/XX/XXXX where I spoke to XXXX XXXX ( XXXX ) and requested to speak with a supervisor. As none was available, I was told I would receive a callback within 24 hours. To date, no call has been received. I would appreciate receiving the statements as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, Experian is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting XXXXXXXX XXXX XXXX XXXX XXXXXXXX Shows a balance of {$6800.00} Status is Account is charged off {$6800.00} " written off '' I do not have a contract with a signature with this creditor and asking for the removal. The amount showing as " balance '' is not accurate. In accordance with the Fair Credit Reporting, 15 U.S.C 1681 section 602 states I have rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-10-29
Company: Rhode Island Student Loan Authority
State: RI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls, voicemails, and emails for past due account. Spoke with customer service rep XX/XX/19. Initial statement from rep was that my account is in pre claims and asked if I was still using my bank account ending in # # # # so that he could deduct the funds. There were no other options offered at that time, this is highly intimidating. I informed rep of my current status at work/lost overtime/hours and that there were no funds available to deduct. I then informed the rep that got paid on Thursday, XX/XX/XXXX and would take care of what I could. Made payment on XX/XX/XXXX in the amount of {$140.00}. Received two consecutive phone calls Saturday XX/XX/XXXX at XXXX and XXXX, with an immediate follow up email at XXXX. 
Received phone call on XX/XX/XXXX at XXXX with voicemail informing me that my payment on XX/XX/XXXX wasnt the agreed amount ( there was no agreed amount ) and that my credit will be impacted. I then received an email on XX/XX/XXXX at XXXX titled second attempt. As of today I have received four phone calls, one voicemail, and two emails In the span of 7 business days. This amount of repeated contact is harassment. I have contacted RISLA previously via email requesting that they do not contact me in this manner and requested that they stop harassing me while Im struggling to get my account paid up. One phonecall should be sufficient, especially when I have made documented recent payments. They have not complied with my requests to cease harassment. Emails/supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing Comenity that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by Comenity bank. In addition, on a recorded line I was told by a Comenity representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for Comenity to  verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. Comenity representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. Comenity bank has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
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:
On my credit report, a payment shows pending for XXXX XXXX XXXX  XXXX. XXXX. 
This loan was applied in error, but repaid within days, much before the due date For some reason it is still showing in my Equifax report and maybe in XXXX report as well which has affected my loan requesting interest rates to go high and bought down my Credit score I have also been affected financially, and have faced a loss of almost XXXX lakhs  in an online fraud investment scheme Request you to rectify it, and I would appreciate a compensation of XXXX lakh  for causing stress and being charged an additional 2 % of the loan, and being rejected by banks to repay the fraud amount. 

I am under serious stress right now, with the anxiety caused due to being rejected by banks, being a victim of fraud, and unable to pay because of low credit score I am also in discussion with the local Police authorities in my area, and in the process of filing an FIR for the same

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Holloway Credit Solutions
State: AL
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:
HOLLOWAY CREDIT XXXX CALLS REPEATEDLY ALL DAY EVERY DAY HARASSING ME ABOUT A MEDICAL DEBT IT IS NOW SHOWING ON MY CREDIT REPORT AS DEROGATORY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In the month of XX/XX/2019 OneMain Financial debited my account twice within a two week span without my consent. On XX/XX/19 the company debited from my account {$150.00} and also on XX/XX/19 {$150.00} which caused me to go into an overdraft status. I contacted my bank. My bank closed the debit card down and had them to place the money back into my account after my dispute. On Wednesday XX/XX/2019 I had authorized online a payment in the amount of {$360.00} the company changed my information online and attempted to draft a payment in the amount of {$670.00}. The draft attempted to come through my account twice without success. Please see below : XX/XX/19 ONEMAIN FINANCIAL XXXX XXXX XXXX Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from ONEMAIN FINANCIAL XXXX XXXX XXXX Card ending in XXXX {$150.00} ONEMAIN FINANCIAL XXXX XXXX XXXX It only shows on text message where they attempted to run the {$670.00}. This is unethical practice from my understanding they are not suppose to change my information or go into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: IN
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:
Experian and the banks that report credit line information are complicit with their fraudster clients. They wasted lots of my time over several phone calls to provide false and conflicting information.

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 2021-09-05
Company: Experian Information Solutions Inc.
State: IA
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:
To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card

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 2021-11-01
Company: FB FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. This complaint is regarding the following : Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance. 
FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their customer service representatives are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. I have had over 30 calls with them. In each call, I have had to repeat the complete story from the beginning. Every representative says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within 48 to 72 hours, and nothing gets resolved. On my call to FirstBank Mortgage on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX, she said I will personally call you within 48 to 72 hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. As of XX/XX/XXXX they still show late fees of {$710.00} on my account that have not been reversed. Nobody has called me to indicate that these charges have been reversed.

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 2020-10-20
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Please read complaint number XXXX. Equifax did nothing to resolve the actual issue. CFPB did nothing whatsoever either. In fact, CFPB closed my complaint without even waiting for my feedback to see if the problem was resolved. Seriously? What exactly is the purpose of CFPB? Is there a government agency out there that will actually review and address complaints? What agency do I need to report this issue to so that it is actually is fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 account below has violated my federally protected privacy and confidentiality under 15 USC 1681.

XXXX ; account number 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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 2023-09-07
Company: Cascade Creditors Service, llc
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX  took XXXX from me 2 days after they had already turned me into collections. I sent certified mail to cascade collections and they refused to pick up from post office I have proof of that and receipts for the XXXX cash I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One has stated that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and they should stop their collection attempts. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information. See attach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX = XXXX FCRA Violation 15 U.S. Code 1681a ( 2 ) ( A ). Its wrong to report late payment. I was Never late in the year XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. You have FAILED to provide me any proof Ive asked for proving why you are reporting wrong information. What did XXXX send you??? If XXXX wont send you any information then you must correct it or delete it. 

XXXX. Once again provide the name, address and phone number of each person you spoke with that verified I submitted payments or remove all lates. 
XXXX. Once again provide all documents with dates from XXXX that these dates were not deferred or remove all lates. 
XXXX. Please send all bank transaction receipts records that show payments I supposedly paid in XXXX  or remove all lates. 
XXXX. Please also provide the loan amount statement receipts with dates I should have received on all the payments I supposedly made for XXXX  or remove all lates.

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 2021-06-02
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
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  reporting late payments for State of Texas/Student Loans when no payments were late as the loan has always been in deferment. Disputed the account and XXXX changed the status to deferred but did not remove the late payments. Also reporting the balance incorrectly and still continues to report the same information even after the information provided from the loan servicer states otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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