BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights.. 


15. U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-07-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Reference # : XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected.

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 2022-09-22
Company: EQUIFAX, INC.
State: DC
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:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX 's XXXX. They went out of business at least in the XXXX, Kansas area about 4 years ago. I have been faithfully making my payments every month like clock work for over 7 years. Been paying my balance I had when the store closed since, Today I go to pay my bill due on the XXXX of every month and it said there was a power outage, It instructed me to go to another way of paying, that didn't work. Can't contact them because apparently the power outage has affected their phones too. Now XXXX Bank if you are late takes the whole payment amount and uses it for late fees and interest. If this happens to me I will be upset because I can not access the site to pay..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a 0 % interest credit card for XXXX XXXX XXXX XXXX through Synchrony bank. I missed 1 payment in XXXX of XXXX. I was sent an email, called and at Synchrony 's suggestion and direction enrolled in automatic payment to pay the amount by the end of the promotion period. 
I would receive periodic ( quarterly statements ). I received a statement in XX/XX/XXXX and one again in XXXX of XXXX. The XX/XX/XXXX statement had triple the balance. It took several days to access my account ( the server was having difficulties and try back later ) and find out they had started to charge interest and fees as the promotion period was over. At no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notice or additional statements to indicate the promotional period was over and resolve any outstanding balance. 

I immediately paid the original balance and began calling Synchrony to resolve. Synchrony 's only customer service are representatives who sad they could not do anything past 30 days. I received a multitude of misinformation from customer service over the next several weeks and calls that included lying about management structure, call backs and even telling me that forgiveness after 30 days was an SEC violation. 

I was then contacted by a customer representative who did not initially respond to my follow-up, played phone tag for several weeks and then she did not respond as she was out with a sick child. I finally was able to contact her in a last ditch attempt to resolve. 
I told her that the auto-payment was set up as a result of direction from call in XX/XX/XXXX. She said she had to review the call. She called back and said no matter what the term of the promotion period is over and they won't do anything. I specifically requested details of the call and she refused to provide. I asked her to review the previous months calls to customer service and the plethora of misinformation. She refused saying she needed exact dates. Note she did not need an exact date to review the XX/XX/XXXX call ; I suspect she did not and that is another lie. 

I now have XXXX of dollars in interest and fees that are still accruing. When provided with appropriate information I have been diligent about paying what I owe and contacting Synchrony. Synchrony 's entire system is designed to provide no or false information to defraud consumers of interest and fees.

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 2022-07-02
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  these inquiries were not made by me XXXX XXXX, equifax, XXXX and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I applied for the Apple Card with Goldman Sachs after improving my credit tremendously by reducing my debt, removing inquiries, and resolving any negative items on my report. I was denied due to excessive inquiries and " delinquent accounts '' which I know was incorrect but I recently had my inquiries removed and remedied all deficiencies on my report. Today, I reapplied was given neither a denial or approval, I received an email stating that I applied too many times and my information could not be verified. When I called the Apple Card phone number listed in the email to have my application reconsidered, I was told that the representative could not see my application from today in her system ( despite me having an email response from that application ) and only way to receive reconsideration was to apply again. I have applied again and received the same response. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction and I am asking that my application be reconsidered. As I stated previously ; I do not have high inquiries on my report, my credit utilization is XXXX XXXX, I have no collections or charge off accounts. There is one closed account that has a comment of XXXX  days late and it is a student loan opened in XXXX  and reported lateness in XXXX  which was removed by the loan company but they did not remove the inaccurate comment of XXXX days late. If you were to review the payment grid for that account, it shows no incidents of lateness and is reporting inaccurately. I have no other late payments or derogatory accounts. I have perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX these inquiries were not made by me XXXX XXXX, XXXX, experian and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: FL
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:
Back in 2017, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.

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 2022-07-02
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXXXXXX 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, and XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my TransUnion credit report. My latest credit report shows XXXX credit inquiry/inquiries that I did not authorize. I submitted the the request to TransUnion, with an attached FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am the beneficiary of an inherited IRA account. The account is at JP Morgan/Chase and I want to transfer it to an inherited IRA account XXXX XXXX XXXX where I have other accounts. I started this process with JPM/Chase on XXXX XXXX by completing a traditional IRA Distribution request by Beneficiary. The XXXX at the bank contacted JPM/Chase to make sure all the correct documents were completed. The application was sent on XX/XX/2022 and they advised that it may take 7 weeks to process. 

On XX/XX/2022 I called JPM/Chase to check on the progress of the application and was informed that they needed 2 pieces of information : the decedents SSN and my birthdate. This information had already been provided on the application. The representative advised me that they would expedite the application. 

On XX/XX/XXXX I called JPM/Chase again and they advised that the hold up was with XXXX XXXX XXXX XXXX advised to fill out another transfer application. I did this and sent the application and a copy of the latest inherited IRA statement to XXXX on XX/XX/2022. 

On XX/XX/2022 I called XXXX and asked the status of the transfer and after researching for about 10 minutes they advised that they needed a copy of my signature and the latest inherited IRA statement. 

On XX/XX/2022 I went to the local XXXX XXXX and talked to XXXX XXXX who called Chase XXXX XXXX. We had a 3 way call and XXXX decided they didn't need a copy of the statement, only my signature. Then JPM/Chase decided they needed more documents from XXXX so I completed a " Transfer your Account to XXXX '' application. The Chase representative said that if everything was in order I should receive the money in 7 days. I went to the Chase branch and they faxed the XXXX document to Chase XXXX services. 

On XX/XX/2022 I called JPM/Chase to make sure they received the information and that they did not need anything else. I was advised that they did get all the information and that it would take several weeks to process. 

This constant request for duplicate and additional information and weeks to process any document is ridiculous and I believe intentional. Days and weeks have turned into months and JPM/Chase does not want to transfer the money to me and I suppose hopes that I will give up and let them keep the money. 

Can you please help me complete the process and find out why JPM/Chase will not transfer my money to XXXX. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form

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 2022-07-02
Company: Experian Information Solutions Inc.
State: MD
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:
I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XX/XX/XXXXInquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Bank Credit Cards XXXX XXXXnquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXXXXXX ( Reseller ) XXXX XXXX  Inquiry date XX/XX/XXXX Business type Auto Financing Companies

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 2019-11-07
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I enrolled in Freedom Debt Relief I have called them several times asking them to remove me from the program and they do not do so. Every time I call I get a different story. The last call was on XX/XX/2019 spoke to someone in leadership who told me that if they closed my account with them they would keep the {$1400.00} that is in my account. Because I owned them {$2900.00} from a settlement negotiation that they had done with XXXX XXXX this is not true the settlement was done by the Attorneys from XXXX XXXX XXXX XXXX. I am paying the settlement directly to XXXX XXXX Freedom Debt relief has not done anything with regard to XXXX XXXX. They currently pay for two settled accounts which they have already collected there fees and they refuse to cancel my account and refuse to return my money. I have any and all required documentation to this regard and they also record all conversations which can clearly proof what I am saying. I have the names and dates of all of the persons that I have spoken with in Freedom Debit Relief these calls and emails go back to XX/XX/2019 and they still have not done anything to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX XXXX  REPORTING WITHOUT MY KNOWLEDGE OR CONSENT.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: TX
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've called 4 credit bureaus including the three main ( Experian, XXXX, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated. 

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer 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