BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: PA
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:
Greetings, I have initiated a multiple disputes with EQUIFAX over the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : XXXX. ) XXXX XXXX XXXX : XXXX. ) XXXX XXXX XXXX, XXXX, PA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello! 

Really appreciate your help! 

Not that it matters, but I've had my identity stolen a few times. Great. 

I'm trying to file a dispute for another identity stolen/collection that's not mine. For the 5th time, I try to connect with Transunion & XXXX via ( calls and web portal ). 

1 ) Transunion Via online, I'm met with this message : XXXX We appreciate your patience while we resolve this issue. 

What to do now : Please try again later. 
If this problem persists, please contact our Website Access Support team. 
If this problem persists, you may want to wait at least one hour before trying again. 
XXXX Via the phone, I'm met with infinite call wait times, and a system that DOES NOT HAVE A CLEAR DISPUTE RESOLUTION NUMBER OR NUMBER TO SELECT. 


2 ) XXXX When I try to initiate the dispute online, I'm told to call XXXX. When I call, I'm met with another automated voice system that DOES NOT HAVE A DISPUTE OPTION OR NUMBER TO SELECT FOR MY DISPUTE ISSUE. 



So, I can't even initiate disputes with Transunion & XXXX for Fraud, Collections, and having my identity stolen which is killing my credit score. 


Thanks, 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 non-monetary relief
Consumer complaint received 2020-10-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a XXXX customer. On XX/XX/2019, I returned to XXXX all its equipment. The same day I returned the equipment, I took another internet service with XXXX XXXX XXXX. XXXX received the equipment on XX/XX/XXXX, and I also called them to let them know that I returned the equipment. In XXXX, XXXX sent a bill mentioning XXXX past due. As a result, I called them to remind them that I haven't used XXXX for almost two months, and why they keep on sending bill to me. I also sent to them the return receipt along a formal correspondence in which I explained that I don't have in my possession any XXXX equipment. Surprisingly, in XXXX XXXX sent another bill with XXXX and XXXX past due. I did the same thing by calling them to clarify the case. In XXXX, I received a correspondence from XXXX mentioning that I have been disconnected for non payment, and I have been charged {$330.00}. All I have tried was in vain. Finally XXXX has sent the case to credit collectors. At least, three credits collectors have attempted to collect the {$330.00}. Right after I sent the proof that I returned to XXXX its equipments, they returned the case to XXXX. Now XXXX has sent the case to a fourth credit collector, which is I.C System. This is why I am writing this complaint

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 2021-01-25
Company: Experian Information Solutions 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:
On my credit report they show i have 10 late payments on my account and i had only three and the three has been corrected by the company and they have not changed the report and my scores this has been going on for 6 months. I have missed offers on buying a house due to the lack for urgency to fix the problem. They keep saying verified and i talked to the companies and they said they have corrected with the credit bureau. 
They also have a bankrupcy on my account that was not varified by the courts and i ask them to remove it from my report. I sent verfication i has one agency remove but the other two refused. Which caused me to miss out on my getting loans for a home and my car interest rate higher than anyone else with my credit scores.

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 2020-02-15
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-12-15
Company: Harris & Harris, Ltd.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An entity purporting to be a legitimate debt collection agency, Harris & Harris , Ltd., sent a fraudulent deliquency notification for treatment provided XX/XX/2020 by XXXX XXXX XXXX XXXX. The notice provides telephone number XXXX. When I called to verify the notice by providing the reference number, the entity terminates the call. The address listed for remitting payment is Harris & Harris , Ltd. c/o Trustees of XXXX University, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. A pay by phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Was notified by mail by Chase that my account would be closed due to fraudulent activity, although all I had done with the account is open it online, changed my direct deposit info to this account, and deposited a rebate check for {$7.00}, I phoned in attempt to rectify the situation, but on day 1 I was placed on hold twice for 50+ minutes, and was eventually hung up on. Day 2 more of the same, on day 3 I was actually able to speak with someone in the " fraud bureau '' who released the hold on the account, so that I could close it as I have no intention of continuing to do business with Chase, however I had to be transferred to another dept. to close the account, now I'm dealing with someone whose English is horrible, she tells me she has to verify who I am by answering 3 questions first was which company I had history with ( I think ) I never heard of any of these companies, 2nd was Liscense plate registered to me, I have no vehicles registered to me, them I was told I didn't answer the questions right and couldn't close the account, so I guess they keep the {$7.00}, Chase is impossible to deal with on many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX Account 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 2021-05-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Paypal Mastercard through Synchrony Bank. I don't know the exact date I opened the account but it's no later than mid 2017. The problem I'm have is that Synchrony holds my payments up to 14 day ( and generally for the full 14 days ). I have contacted them about it numerous times. They will periodically release a payment but most often refuse to. My available credit is {$12000.00} and the card is used almost exclusively to pay for XXXX XXXXXXXX. The cost is {$37000.00} per month and I pay for it in increments of about {$10000.00}, pay off the card in total and then do the next payment for the XXXX. 

I have a history of over three years of using the card for these large purchases ( XXXX ) and making frequent and or large payments. There has never been an issue of a payment being late or rejected. My history with the card is perfect and my credit score is almost 800! 

Because they hold these payments, I'm unable to do the purchase of the medication in a timely manner. Synchrony told me they hold larger payments over {$2500.00} so I've made payments under that amount. {$2400.00} one day and then {$2000.00} the next. Then I was told they hold payments when they are made on multiple days too close together. I've talked to a supervisor who was rather rude and dismissive of my issues, only to say there's nothing they can do ... it's our policy! 

The payments are made from my online account with Synchrony 's "  pay your bill '' option. The payment is linked directly to my bank account. It's not a paper check that needs to be processed through the bank. I contacted Paypal ( because it's a Paypal Mastercard ) to see if they had any suggestions. I was told that my payment to Synchrony goes first to Paypal, they verify that the payment is in fact good ( the money is in the bank ), and then they send it on to Synchrony. With that in mind, I can see no reason for them to hold any payment when it's already been verified as good. When I asked the supervisor about that she repeated the same thing ... it's our policy! 

By the way, there have been times over the years that larger payments ( up to {$5000.00} ) have processed in a couple days so when they say they hold all large payments, it's not accurate. 

I have asked Synchrony what if any thing I can do to resolve this. They say there is nothing. 

I am beyond frustrated and angry. I realize this is legal according to the Truth in Lending Act but it sure seems immoral. I can't imagine that I have no recourse but it appears I don't. Filing this report is a last ditch effort to get something changed.

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 2020-10-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/XXXX of this year, I called the company to pay or pending balance and close my account, ask if it was all if I no longer had to follow up, they told me that neither balance was XXXX and my account was closed. On XX/XX/XXXX of this year they call me to tell me that I have an outstanding balance of XXXX dollars that expired two months ago, I paid a total of XXXX dollars for the charges, the same month I reported on credit that I had a delay in my payment, of which I was never notified so the account is supposed to be XXXX and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone hacked my login while I was traveling I deposited a large check when I got back I found an account closed and a fraud alert I was never able to use my bank account while I was in my home country

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: AL
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:
In XXXX, I filed a dispute with the Equifax about the about incorrect addresses on my credit file : XXXX XXXX XXXX, XX/XX/XXXX XXXX -- 2020 XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX. In that time I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these inaccurate addresses as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: NC
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:
I watched an online presentation from XXXX about their affiliate marketing program and the company charged my Chase credit card account {$3000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX.. The company promised to send profits made to me and was told that I could withdraw the money at anytime. XXXX refused to pay me any of the commission that I was promised. I contacted Chase bank which is the credit card company which holds the charges by email in XX/XX/XXXX advising Chase that this company was a scam and I wanted my money back. I filled out an affidavit on XX/XX/XXXX with documentation that they requested. XXXX asked for additional paperwork on XX/XX/XXXX and I sent the documentation by fax. I have received several letters from Chase advising that the charge made to XXXX is a valid charge. I received the same letter about the charge being valid on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX. I am not disputing that the charge was made, I advised then that this company was a scam and they did not honor their agreement of paying commission to me and I wanted my money back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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 status incorrect

Complaint:
Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-07
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I filed the original CFPB complaint to BSI Financial Services, Complaint Number XXXX. On XX/XX/XXXX, I was contacted by a representative names XXXX XXXX who walked me through getting information on a monthly basis for this mortgage account. She also advised that BSI would put together a " release of liability '' documentation package for me to take over the existing as a sole and primary borrower from remaining co-borrowers. After two conversations with BSI Financial representatives between XX/XX/XXXX and XX/XX/XXXX, I was again informed the " release of liability '' documentation was enroute. My personal information ( address and email address ) had been removed from the account, and there was NO record of my previous dealings with BSI Financial Services, and a payout for the account by XX/XX/XXXX had been ordered. 

BSI Financial Services took over my existing Conventional Home Loan on XX/XX/XXXX from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. Between XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made Equifax aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source XXXX XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Equifax has a duty to conduct a real investigation outside of the original source. As a result of Equifax Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.

Company response to consumer: Closed with explanation