BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: SYNCHRONY FINANCIAL
State: MN
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:
I have had a carecredit.com card for pets for many years and had a XXXX balance due but they canceled and closed my card anyways. They told me because of my credit history in general. This is a horrible thing to do during a pandemic and may cost the life of my pet.

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 2022-03-16
Company: USA Service Finance LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USA Service Finance LLC has repeatedly violated FCRA regulations by reporting in accurate information on my credit file. I began requesting this debt be verified beginning XX/XX/2021. USA verified the inaccurate file and then continued to report it with correcting the file. ( See attached file from XXXX XXXX  ) This is after several filed disputes with different agencies. And according to XXXX and XXXX, USA SERVICE FINANCE only updated the account after I filed a XXXX complaint in XXXX. AND ONCE AGAIN VERIFIED the Inaccurate data, choosing the highest balance of the two previously reported balances. ( See Attached ) Open date, payment amount, and last payment date are all different & incorrect. ALSO, data furnished does not match the verification letter report! Instead of deleting the file per my request USA SERVICE FINANCE continues to report causing actual damages to my credit file. I will be submitting a drafted complaint with the current Attorney General, XXXX XXXX, if this account is not removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: CT
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:
Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that that data furnisher ( JP Morgan Chase ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
my complaint is in regards to CareCredit. They are a credit company that is used for medical ... they have promotional programs if paid off in a certain time frame there is no interest. In  XXXX  of this year my normal payment was  XXXX  I paid  XXXX  this was to be applied to the normal payment and the promotional balance that had a remaining balance of around  XXXX  which had to be paid off in  XXXX . The company applied to everything but the promotional balance. I called to have them apply the payment correctly and was told it would take 14 days. So after the 14 days it was not totally corrected. The promotional still had a balance but now it was  XXXX  ... so I just decided to make the monthly payment with an additional amount of the  XXXX  .... I also did a chat with a rep before I made that payment to verify and let the company know how I wanted the funds applied and the rep assured me that the additional funds would pay the promotional off. Again the additional payment was not applied and I am being told that I have to wait 14 days for the payment to be manual processed even though my statement is showing the payment has already been applied incorrectly .... and if after that 14 days is up and I still see the payment has not been applied properly I have to call and request the funds be corrected and that will take an additional 14 days. This will be and additional month .... in 2 days it will be  XXXX  and Care Credit is talking 28 days to fix ... remember this has been going on since  XXXX  ... that will be  XXXX  when the promotional is required to be paid or we will be paying the the full interest. In talking to the rep today if it is corrected will be charged the interest .... I know the company was sold a while back and there is no doubt that the new owners are being very deceptive. I know I am not the only one who is having this issue with this company and feel that they should be investigated.

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 2021-04-21
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:
There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2020-03-08
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was and am i victim of cyber attacks cyber crime and identity theft. It has stemmed XXXX and has bled to other reporting agencies. I am the victim in this yet i am treated by some like the account originator. Yet i am not. 

World finance has been notified and asked via disputes/SINCE XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX and i have talked with them over and OVER. Yet i am being told that they have factual information. No they don't. One they has lost the original documents, I was told by a local world finance store. Two they  refuse to give me ANY information about the LOAN other than they want me to pay for it*settlement*. They charge it off and off changing the price up and down to adjust activity to lower my credit. The Bureaus always allow them. Ridiculousness and criminalistic in nature and it directly violates the FCRA and my rights. I have done all that has been asked of me FROM all parties. 

My entire identity and life was stolen from Drivers license, birth certificate, social security card. All from cyber attacks cyber crime and identity theft. Had financial take overs in multiple accounts. And not just in the first settlement with XXXX  but the 2nd NOW. 
I am attatching to very first and ONLY thing i have received from the company. And i refused to settle for anything because it is not mine. Remove surpress and delete. This is what ive asked. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection of {$2000.00} showing on my credit report. This collection belong to a person with a different name ( although similar ) on it and has no SSN ( I have a SSN ). What I 've learned is that person is even of an opposite sex. I disputed twice for it on Equifax , waiting for almost 2 months but never get it resolved. It should be a simple issue but I was so disappointed about the result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a dispute with you all back on XXXX/XXXX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the XXXX round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: NC
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 am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: EQUIFAX, INC.
State: CO
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:
There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had CapitalOne Savor card. There is {$95.00} annual fee on this card. I opened the card because of the promotion and annual fee waived for first year. Last year I want to closed the account because I do not want to pay the annual fee but I could not because the annual fee can not be refund after certain days. So I want to make sure that I can close the account this year when the annual fee kicked in. On XX/XX/2022, I called CapitalOne and the agent told me that I will get the refund for the annual fee if I close my account before XX/XX/XXXX which I did. On XX/XX/2022, I checked the account and the refund was not posted. I called and the agent ( who also confirm this with her supervisor ) told me that I have to wait until the new statement is posted. When the new statement was posted, there is still no refund. So I called again on XX/XX/XXXX which took about XXXX hour XXXX minute to learn that I would not got the refund. The first agent told me to wait for one more statement to come out since it might take 1-2 billing cycle for refund to post. I asked him to confirm if that will happen for sure but he could not and he passed me to another agent to work on issuing the refund right away. Second agent picked up, said " hi '' and then there were silence. Not sure what is going on so I hang up after waiting for few minutes. Then I called back and the third agent told me that it passed 40 days because I closed it on XX/XX/XXXX. If I closed before XX/XX/XXXX, I would get the refund. I told them I closed on XX/XX/XXXX because I was told that I have until XX/XX/XXXX. He passed me to his supervisor to see if there is anything that they can do. This supervisor agent ( who said that she is the seniors accounting and the higher resource on this matte ) told me that there is nothing that they can do beside they are sorry about what happened. I asked if I can not get the refund then can I reopen the card so I can use the card since I already paid for the fee and she said she was not sure if card can be reopen. This is not fair to consumer like us when we have to pay for misinform from the company. I lost my money and all they can do is saying sorry. That is it. They do not take any responsible on their mistake. I hope this complaint is heard and this kind of cheating is not happen in future or other can learn from my mistake not to trust this company. They do not train their people to give accurate info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 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 non-monetary relief
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following inquiries ( # XXXX ) do not belong to me and I have for years tried with no success or response from creditors regarding these unknown inquiries. At the same time I have for many years advised Equifax the same but Equifax refuses to remove. I need help in getting this taken care of immediately. 

1. XXXX dated XXXX. XXXX XXXX dated XXXX. Equifax XXXX dated XXXX ( This is mine, however needs to be deleted )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Credit Solutions, LLC (KY)
State: FL
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:
I viewed my credit report and saw a debt collector on it by the name of Credit Solutions account number XXXX. I disputed as I was bewildered because not only did I not know the creditor, I did not have any derogatory creditors on my credit reports so this as extremely upsetting. I contacted Credit Solutions and they told me I needed to contact XXXX XXXX XXXX XXXX which was also listed as the original Creditor. However, I contacted them because they ( Credit Solution ) had it listed on my credit report. Well, before hanging up Credit Solution stated that I owed {$1200.00} to XXXX XXXX XXXX. I stated to them, this was almost a year ago XXXX XXXX XXXX nor Credit Solutions contacted me, I saw this derogatory reporting on my credit report and that is n't fair and this was paid by my insurance as I am XXXX and have XXXX insurance which I provided XXXX XXXX with my insurance card when I went to the emergency room. I then contacted XXXX XXXX in which I spoke to 3 different individuals stating that they billed XXXX instead of billing the correct insurance XXXX insurance. I was told that they would submit the claim and within a few weeks the claim should be paid and they will have Credit Solutions to remove from my credit report. I have called XXXX on several occasions and for some reason each rep is still saying that they did not submit to XXXX so they could be paid. This is not right for this organization to be neglectful and put on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: AR
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:
It has been over 30 days since I've contacted Experian regarding a dispute that included two accounts reporting on credit file that were established without my knowledge or consent. These accounts today are still reflecting on my Experian Credit Report. I have sent supporting documentation including a identity theft report which was very detailed. Experian has and continues to violate the Fair Credit Reporting Act Sections 605b, 609, 611. In addition Experian placed an account in dispute that was never initiated on my behalf ( XXXX XXXX ). I called Experian and after speaking with a Representative I was told it was nothing that could be done about which is unacceptable. So Experian has 1. Failed to provide accurate or 100 % verification within 30 days or proof obligating me to the fraudulent accounts in question. 
2. Has failed to provide a block within 4 days after being notified with a supporting documentation including a Identity theft report from the FTC 3. Has removed an account in error and admitted to doing so but is unwilling to cancel this dispute they initiated. 
4. Experian has caused a financial strain on my current financial situation in regards to credit score not being accurate due to their negligence.

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 2021-08-25
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX at XXXX XXXX I spoke to XXXX to let him know my payment online had processed from wrong bank account. This was the second time and I changed account # s but it keeps defaulting to old account. My payment is always made before due date and I dont know to fix. He said it was my fault not theirs and hung up on me. He did not help me process a new payment or help resolve the two returned check fees I would be charged. Spoke to supervisor XXXX who told me the first {$25.00} return check fee had already been paid- possibly from the last principal payment I made. I asked him to reverse but said it was not possible to submit research request.

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