BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/XXXX, I was shopping at XXXX XXXX XXXX in XXXX, CA. I was shopping for gifts for my daughter XXXX 's XXXX Birthday which is today. I went into American Eagle. I noticed that the store had changed. The registers were now in the back. This is similar to many stores during COVID-19. There was a helpful girl who picked out two pairs of jeans for me for my daughter and I stood in line to wait to pay for them. It had been awhile since I had shopped there. I used to shop there a lot! The retail clerk who rang up the purchase asked for my phone number for rewards. I gave her my cell number that I have had for a long time ( 20 plus years ) XXXX. This cell number immediately brought up an email on the transaction screen for me to verify. The email wasn't my email. The email on the screen was : XXXX. I told her that it wasn't my email. She said, " You can change it at home on the website. '' I said, " Okay. '' Then, she asked if I wanted to sign up for a RETAIL only credit card for AE. I told her and showed her my AE Visa card. She said this is a RETAIL card for AE only so it's different. She said if I applied and was approved, I would get {$20.00} off the purchase today. I said okay. So, I entered my Social Security # and income into this same transaction screen that had an unknown email and I was approved. When I got home, I immediately went to the AE website. When I entered my cell number, it said I had an account but none of my known emails worked to access the account to change the email. When I entered XXXX which was associated with my cell, I could not get in b/c it wanted me to verify that email and it's not mine. At home, I noticed that my AE Visa had expired in XXXX and they never sent me another one. I also noticed that it wasn't a Retail Card at all ; it was another AE VISA ( see receipt ). This is fraud ; and I reported this to XXXX Sheriff and now I'm reporting it to you. If we can trace who created XXXX we can track who committed this fraud.

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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-08-15
Company: Financial Recoveries, Inc.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original amount of the debt was {$400.00}, the loan was from cash in a flash, now it was turned over to Financial recoveries Inc. and the debt amount has now increased to {$6700.00} and keeps getting higher by the week. It was turned into collections on XX/XX/2018. The inflated amount is totally insane.

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 2023-01-31
Company: EQUIFAX, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: GA
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:
" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( XXXX  ) ( Equifax ) ( XXXX  ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives!

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10.

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
For the 4time typing this ; I had XXXX judgments from XXXX that were paid in full from XXXX court.I also had a bankruptcy that was filed in XX/XX/XXXX.that was dismissed for non payment of taxes and not discharged.There might be bank accounts closed from XXXX XXXX XX/XX/XXXX.Also there might be XXXX hard pulls on my report.that were unorthoized.I did apply to XXXX XXXX for a credit card and to XXXX bank for a master cardXXXX were denied.There is no employment history since XX/XX/XXXX.There might be several late payments from XXXX from a XXXX card.There is no other information to fill up XXXX fields.

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 2021-02-19
Company: Westlake Services, LLC
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Westlake Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2022-06-09
Company: JPMORGAN CHASE & CO.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
This complaint highlights Chase 's derelict of duty of protecting their Customers from malicious & fraudulent charges as well as fiscal harm. 
I'll reiterate and continue to reiterate until a satisfactory resolve is reached. 

I did Not authorize the additional charge of {$200.00} I did Not have or encounter any major or minor accident or incident while the vehicle was in my possession. 

I do have an eye witness that has testified to the facts above and I will not be cheated or swindled from the XXXX XXXX In Question or Chase Credit Card services. 

I am prepared to take this matter through our judicial system if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Santander Consumer USA Holdings 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:
XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX, my cardholder spouse was laid off. He had also become XXXX XXXX could not be employed during the XXXX XXXX claim process. I requested the forms to file for a benefit at that time, eventually received them, filled them out, and sent them in. I was then given a great deal of run-around regarding documents of proof, which I provided, but apparently, they were not adequate, and then communication stopped. Meanwhile, I have been paying into this coverage for at least a decade or more, and have no late payments. I have not even used the card in several years, and while I have been making payments on time each month, despite the struggle to do so, my balance continues to grow, because I can't afford to pay more than the minimum due. 

I was laid off in XXXX of XXXX due to the pandemic. The business was sold, and I was not hired back. I collected unemployment while I could, but that ended several months ago, and I am no longer qualified for that benefit. I have been applying for jobs and interviewing over the past year, but no luck so far, and it is becoming more and more difficult to pay. I called and requested a form again, and never received it, and once again months ago, and never received it. This is beyond the XXXX weeks I was told it would take. I am beginning to feel I have been scammed. I am going to have to stop paying regardless of whether the coverage I have been paying for ever actually approves a benefit claim. 

What's more, with the number of years I have been paying, I had to have exceeded the original full balance due by now ( XXXX interest and whatever other fees are being applied. ) I would like Care Credit to accept that as payment in full, and then they ( Synchrony/Care Credit ) can collect from my account security coverage that I haven't been able to use. It should have been paid in full by now because it's been XXXX years since the hardship began, and I attempted to file initially. This is exhausting on top of the other hardships I am having. 

It's unethical to basically rob/scam me ( and many other customers as I am now aware ) because I needed dental care and I had to euthanize very ill/elderly pets over the years that I actually used this 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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed multiple inquiry letters to TransUnion in order to dispute information in regards to 13 hard inquired that is being reported on my credit report. The request that was sent included 13 hard inquiries that were not factual.I was apart of the TransUnion glitch and several inquiries that had been deleted have been added back to my report. Inquiries as follows XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) regulates credit bureaus in the United States, including XXXX XXXX. It establishes rules for reporting, and specifically, 611 5 ( b ) of the FCRA covers a credit bureaus requirements relating to the reinsertion of previously deleted information on an individuals credit history. It states that if information was removed pursuant to a consumer dispute, that information can not be re-added to a credit bureau. TransUnion customer service did nothing to help and take care of the negative inquiries reporting to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NY
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 have tried to contact Experian, to dispute an account, in which ; the statutes of limitations have already expired. Experian has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # 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 2017-03-02
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I called Amerisave asking about a refi on my investment properties. They made all kinds of promises and after the appraisal the promises was changed. The have done numerous credit checks, one report they done it twice in one day. I gave them permission to do the credit check on XX/XX/XXXX, but not on XX/XX/XXXX and mainly not twice with one bureau. Every week I was assigned someone else to work with, information was messed up and lost due to this being done. I was told my score was to low after spending a month with them and spending {$650.00}. I checked the scores, and they did not match what they said they was, they stated they was not under any obligation to share the report. The score they told me was mine, was not. This company is so unorganized and should be investigated before they take advantage of others. The have a awful rating on sites I found, I should have taken that as a clue not to deal with them, but they made me such a great deal on the first call and down hill from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
was unable to start repayment on my student loans and navient informed me I was ineligible for deferment due to the fact i made more then the maximum eligible salary. They then stated the maximum salary you can make and be eligible as a full-time employee. The amount was substantially lower then minimum wage as is legally impossible to make that low of a income. They then forced me into a forbearance causing my loans to continue accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase bank is the worst open account with them later on Im seeing insane activity money taken from my account to now owing them XXXX when they took my money in the first place report my card got new one same thing told them about fraud no help nothing got a new card the same thing I wan na everyone to know chase is a rip off making up XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: ALLY FINANCIAL 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:
XXXX through XX/XX/2019 numerous creditors pulled credit report without written 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 explanation
Consumer complaint received 2021-08-04
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Several months ago, I noticed an inquiry from XXXX on my XXXX  credit report. I have never dealt with them before and immediately knew the inquiry was unauthorized. My mother ( who has the same name ), however, regularly shops with XXXX XXXX XXXX AKA  XXXX. She told me that she opened a credit line with them. She and I both had a conference call with this company and they were able to verify that my social was not registered to any any or inquiry. However, they refused to make any additional efforts to have this inquiry removed from my credit file and directed me to handle it directly with the credit bureau. 

The inquiry is dated XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXXXXXX Balance Owed : {$15.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00}

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 2022-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my reportXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
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: Credit inquiries on your report that you don't recognize

Complaint:
My information was compromised with the Equifax Breach and on Friday ( XX/XX/XXXX ), I was told that I could not dispute my inquiries as they are a factual part of my credit report which was false. I expressed my right to dispute any incorrect information on my credit file as I saw fit. He said that he filed a dispute to have the items removed but in a phone call with another representative on XX/XX/XXXX that representative let me know that a dispute was never done. She once again tried to tell me that the information was factual but she claimed to have put in a dispute with conf # XXXX in which I do n't even know if the dispute was actually put in or if I was lied to again.

Company response to consumer: Closed with non-monetary relief