BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Like many people I had some debit/gift cards lying around. On XX/XX/XXXX I decided to convert them to an XXXX  credit since I use XXXX often. I got the balance wrong on one card so it was declined. I looked everywhere on the XXXX website to cancel the purchase and could not find a way to cancel. XXXX sent me an email saying that they would give up in two days if the card didn't work. 

Instead of giving up they decided to just substitute and charge my XXXX card which I NEVER use. I never gave them permission to charge this card and how convenient for them to just use THEIR propriatary card without my permission. So now I have a new bill for {$15.00} that I must spend with them. This make me REALLY angry. Don't they think that I would substitute to different card myself if that's what I wanted to do? Now XXXX XXXX I get their bill in the mail. Unbelievable -no way to cancel -used a card I have NEVER used -no notification they were going to switch cards

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 monetary relief
Consumer complaint received 2017-10-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went to XXXX XXXX for an exam. I was told on the phone prior to coming in and while I was at the office in the exam chair that the exam fee would be waived if I were to have the XXXX XXXX done on the same day. So I agreed to have the procedure done while I was there because I could afford to have it done without the fee. But after I had the XXXX XXXX done I received a bill in the mail from XXXX XXXX that was for the exam fee. Apparently they had billed my insurance for the fee without my permission or knowledge and it was rejected so they tried to bill me. I immediately disputed this with the office but they called me a liar and refused to drop the bill and in fact contacted my other insurance company and tried to get them to cover it. I also filed for chapter XXXX bankruptcy and since they would not agree to honor their original deal for no exam fee I was left with no choice but to include this debt in my bankruptcy which was XXXX. please see attached files. XXXX XXXX continues to try to collect this debt and has now sent it to a collection company after they were informed it was discharged.The collection company is now threatening to report this to my credit if they have n't already done so. During the bankruptcy, this debt was never disputed by XXXX and they did not show at the meeting of creditors. I find it rather unnerving for a doctors office to be doing " extra billing '' behind patients backs. I trusted Advanced office staff to be truthful with me, I know what I was told and they went and did the opposite of what they said they would do.It is their mistake so they need to own up to it and not attack me and my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: DE
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:
Equifax reporting a late payment to XXXX for the month of XXXX. This is totally incorrect and should be updated immediately. My original dispute was to remove a late payment for this account in XX/XX/XXXX ( not XX/XX/XXXX ) which is currently being disputed by credit card company as well. This is affecting my credit score and I'm tired of going back/forth with these credit bureaus inaccurate reporting. I am attaching a copy of Equifax 's reporting. I HAVE NEVER BEEN LATE WITH THE CREDIT CARD. And, after speaking with the credit card company, they agreed as well -- never late -- and are currently disputing this item as well. However, the credit bureaus should delete late reporting immediately! As a consumer, my rights are being violated by these credit bureaus and they should be reprimanded for such acts. According to 15 U.S.C. Section 1681A - ... " unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the bank system. '' Thus far, all agencies are incorrectly reports as stated in my complaint # XXXX ( still open ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian does not let me get a credit freeze online. 
I was able to get a credit freeze easily online with XXXX and XXXX, but not with Experian. 
They have been harassing me with emails and tried to get me to subscribe with a monthly fee although I can legally have a credit freeze for FREE.

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 2017-10-28
Company: JPMORGAN CHASE & CO.
State: VA
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:
Hello, I contacted Chase this evening to request extension of XXXX XXXX XXXX XXXX XXXX XXXX entitlements to my Chase XXXX XXXX credit card which was opened in XXXX XXXX. I was on XXXX XXXX when the account was opening and remain on XXXX XXXX. Chase informed me that they 're only extending XXXX benefits to accounts that were opened after XXXX XXXX, XXXX, and not existing accounts. 

Reading through the text of the actual law, there 's a compliance deadline of XXXX XXXX, XXXX, but no distinction regarding the applicability of benefits to an account opened before or after this date. Eligibility, which I meet and which can be easily verified via the XXXX website, is all that matters. 

Please confirm that I 'm understanding the rule correctly. If correct, request your assistant in ensuring that Chase complies these requirements. 

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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:
I called into chase today to make a dispute on a transaction i called getaround and they said they had no charge for me for XXXX so i should dispute it with my bank. Originally i was very frustrated to have explained the whole situation to a customer agent who could not file the dispute. When i was transferred to the dispute department the agent was very NASTY. I told him i was in a lunch room and didn't want yo say my card number out loud so i gave him my social he repeatedly askes me the sane thing and then told me i should move to get better reception. The rude agent utterly refused to let me speak to his supervisor or give his agent id. I informed him i was recording the call and would be sending it to chase corporate office. The agent hurled insults at me back and forth and laughed thinking it was a joke and telling me pretty much he didnt want to be on the phone with me very nasty rude foreigner on the phone then refusing to let me speak to his supervisor while speaking to me so nasty. Freaking unacceptable. Never have i been so floored while on a call and then have to be insulted and refused to dispute a transaction or speak to a supervisor ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: PA
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:
The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX XXXXXXXX on XX/XX/2020 and I have no accounts with XXXX XXXX.

Two inquiries were made by XXXX  on AXX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2020-06-22
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company is refusing to work with me on a forbearance or payment deferral due to the government shut down and stay at home orders which prevented me from earning an income. It is privately funded to they do not have to comply with the cares act but should have a moral obligation to work with their borrowers who have been impacted by this pandemic and forced to shut down their businesses and prevented from earning an income.

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 2017-10-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank XXXX XXXX XXXX and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXX and go public on XXXX  im sick and tired of your XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Prosper Marketplace, Inc.
State: NH
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:
On XX/XX/2022, I made a statement balance payment of {$620.00} to Prosper Marketplace Inc. credit card, to bring my balance to zero and my available credit back to the full credit limit amount of {$1000.00}. On XX/XX/2022, ANOTHER payment was made to Prosper for the same amount of {$620.00}. That means there were two payments made or for one balance. I had fought with Prosper card for over a month, with emails and XXXX phone calls, and there was no resolution in getting one of the payments refunded from them back to me. I finally called my bank, XXXX XXXX, to get one of the payments returned to me. XXXX got that payment refunded very quickly. 

Prosper app is now stating I have a balance due of {$620.00}. I have not used the card since having all of these issues. I sent an email to XXXX on XX/XX/2022 asking why there was a balance on my account when there was none owed. The email response back was that they were sorry my card got declined ( I didn't even know that Prosper put my card on hold ) and that there was a balance because there was a payment returned from the bank. 

I called customer service and they stated that there, in fact, is NO statement balance or the current balance of {$620.00} and they told me I had to wait for the app to clear up. I also asked why my card was on hold and the rep couldn't answer my question, and she would send a report asking why the card was on hold. I asked to speak with someone about my card being on hold and she said there is no phone number or any other way for communication other than just waiting for an email from them. The reference number is XXXX from that call. 

With all of my experience with the refund issue never getting resolved, I am doubtful I will get a response back on why my card is on hold and doubtful that the false balance will clear up on the app. I have read a lot of reviews on XXXX  and a lot of other people were having similar problems. I have also submitted a review to XXXX  and a complaint. 

I am worried that this balance will not clear up on my app and they will charge me late fees as well as affect my credit score and payment history.

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 2017-10-19
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank BB & T and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXXXXXXXXXX and go public on XXXX im sick and tired of your crap!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX 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 2019-07-23
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After trying to file a dispute on Equifax 's website it gave me some security questions sp they could " identify the proper account '' none of the questions even applied to me so I couldn't even file a dispute. I called Equifax aaaand told them what's going on. They again asked me some questions to " identify the proper account '' over the phone. Once again none of the questions applied tho me and I was told " sorry we can't help you at this time ''. I'm not sure how a credit agency can determine my credit score when they don't even have the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: AZ
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 found a XXXX Account on my Experian credit report that was listed as late and sent to collections. It also listed an address in XXXX Mi associated with this account. I contacted XXXX to report the Fraud account. They said they would take care of it.I wanted a month and saw it was still on my report, So I disputed with Experian on-line and they came back with the account confirmed as mine?!?!?! Reference their dispute results Number XXXX. I need this cleaned up asap. I have never had a XXXX account or applied for one. I also have never in XXXX Mi. 
Experian still has it listed on my account as of XX/XX/19 as Failed to Pay, This account should just be removed from 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation