BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: SYNCHRONY FINANCIAL
Product: Credit card
Issue: Other

Complaint:
The Legal entity ( GECRB HBC ) is reporting negative debt on my credit file, but this company does not exist as doing business in XXXX and the contact number provided for the negative report belongs to Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX in the United States. I called Synchrony bank at the number reported on my credit file ( XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX ) and spoke to XXXX. XXXX checked for my name XXXX XXXX and my date of birth in their records and stated : " we do not have you in our records on file maam ''. GECRB XXXX is not a legal entity doing business in XXXX. I would like this negative report removed from my credit file from XX/XX/XXXX -Equifax confirmation # XXXX. Attached Document : print screen of my XXXX credit report on XXXX XXXX, XXXX Thank you.

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 2022-03-22
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-05-26
Company: Xtreme Products LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na  XXXX  me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: UT
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 refuses to correct the original errors made on my credit with the payoff date of an auto loan ( see attached ). I ran my credit on XX/XX/2023 and they made it worse not better. Then they decided to update the last reported date to the date they responded to my dispute in an effort to continue to have the information be incorrect. They've been doing this for anything I dispute that's inaccurate that they create problems on no matter what proof accompanies it. The other 2 bureaus have it reported accurately. Equifax is so incredibly stupid and confused that they can't seem to figure out what is right and what's wrong with the info they have on file. They never bothered to go back to the creditor to figure out what they've done wrong, they just say XXXX you debtor you don't pay us the creditor does and leave it on inaccurate. Therefore this is their last chance to fix it. I'm including the creditor too so they can see what has amassed here and why I'm complaining. Going forward this is exactly what I intend to do with all of these stupid credit bureaus who continue to make errors and CFPB DOES NOTHING TO STOP IT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The law offices of Mitchell D Bluhm & associates, LLC sent a letter that I owe a medical debt of {$210.00}. I disputed the debt and asked for a validation of the debt for reference account. I then received another letter stating that they received my dispute with the enclosed " verification '' from the current creditor. 

Their verification included : Statement of account from a service date of XX/XX/XXXX A bill for the amount of {$210.00} dated from XX/XX/XXXX The law offices of Mitchell D Bluhm & associates, LLC failed to provide any documents that say I signed for this debt and proof that they are able to collect in the State of Arizona where I reside. 


I consider this harassment. I need to see proof were i signed for the debt since i do not recall this debt whats so ever. i feel they are violating my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
This is my 3rd letter sent to Chase Bank, all by certified mail of requesting that you remove inaccurate information from my file or prove that it belongs to me. 

Below is both my letter to Chase Bank sent on XXXX XXXX, 2015 and my complaint to the CFPB about the reckless Banking Behavior on Chase Banks ' part. 
Please see attached documentation all sent via certified mail to chase bank. 
TO CHASE : On XX/XX/2015 You received a XXXX demand letter, this was sent certified mail XXXX that was signed for by your company. As of today you have failed to provide me with the proof I have lawfully requested. since you have not supplied the demanded proof of the account, under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the all alleged account, nor therefore any such account, in fact exists. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair And Accurate Reporting Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 









FCRADamages for a Willful ViolationIf you can show that the credit reporting agency information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : Basic Damages-actual ( provable ) damages ( no limit ), or-statutory damages damages between {$100.00} and $ XXXXyour actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). 
Punitive damages, as decided by the court. 
Attorneys fees and costs. 
Definition of " Willful '' A willful violation does n't just mean that you have to prove that the entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklessly -- that is, the entity knew or should have known that it was running afoul of the FCRA. 
Damages for a Negligent ViolationYou are also entitled to damages if you can show that the entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), andattorneys fees and costs. 


As Per The Fair And Accurate Reporting Act : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Account XXXX. I noticed on my credit report the aforementioned account from Chase bank. Chase is reporting this account as a charge-off. Initially, I filed a dispute with the credit reporting agencies. XX/XX/XXXX, I sent a formal request to Chase via certified mail that Chase provide with evidence that I had contractual obligation to the above referenced account. Copy of the letter is attached. 

Chase sent a letter to me XX/XX/XXXX in which they are stating that account was sold to XXXX XXXX XX/XX/2012 and to contact XXXX XXXX for any account records. Upon contact with XXXX XXXX, I was told that XXXX XXXX can not produce any document that this account is mine. I called Chase and relayed the information to them and kept on getting the run around. At the end, the representative from XXXX XXXX. finally stated Chase does n't have any contractual evidence that it can furnish me ... 

Please note the year that Chase is stating when this account was sold, XX/XX/2012 is in the same time period for which the Consumer Finance Protection Bureau took action against Chase for selling bad credit card debt to 3rd party buyers. 

Since the 30 day limit has lapsed since I send the letter and that Chase can not furnish contractual evidence, these erroneous listing need to be deleted from all credit reporting agencies. They are severely affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: IL
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 n 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 us 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 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We were offered refinancing due to the Obama Plan through J.P. Morgan Chase Bank. 

My husband and I decided to accept the refinance offer and proceeded with getting the old loan paid off and a new mortgage loan opened. XXXX which were through Chase Bank. 

We were told by a representative of Chase Bank that we had until the XXXX of each month to pay our mortgage. After the XXXX, our mortgage would be considered " late. '' Now, after the first of each month, we continually get calls regarding our mortgage payment. I have told XXXX separate people what I was told by the bank representative. That we had until the XXXX of each month to pay our mortgage and it would n't be " late. '' I asked the people, who were calling from Chase Bank, " Are we late with our payment? '' I was told, " No. '' I said, " Then why are you calling me. '' I then told the callers to please make a note on our account that we pay on or before the XXXX of each month. I was told to call them every month to let them know when I am going to make the payment. I told them, '' I am not calling you every month because you can see that I make the payment by the XXXX of each month. I even told them that I would not answer the phone when they called. 

I continually get more than one phone call per day. 

Could you please make them stop calling me so much? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Personal information incorrect

Complaint:
Remove All Old Addresses and Personal information

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 2017-07-12
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
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: Problem with personal statement of dispute

Complaint:
I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( FICO Credit Score : XXXX Top 1 % ) Account : XXXX XXXX XXXX Card Credit Line : XXXX Account Status : Excellent - 4 years held paid balance off every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Closed our Account - again in good standing w/ all balances paid 100 % monthly. 

They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our 28 ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX FICO score. 

Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. 

This big company can not harm or damage us for no cause. 

They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? 

I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! 

XXXX and XXXX XXXX Email : XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have taken advantage of a number of the 12 month 0 % interest offers PenFed has made. As of my XXXX statement, I owed the following : {$2400.00} expiring XX/XX/XXXX ( started as {$3500.00} in XXXX of XXXX ) {$1300.00} expiring XX/XX/XXXX ( started as {$1900.00} in XXXX of XXXX ) {$930.00} expiring XX/XX/XXXX ( started as {$1000.00} in XXXX of XXXX ) After making regular monthly payments, in XX/XX/XXXX I made two payments : {$3800.00} on XX/XX/XXXX {$100.00} auto payment on XX/XX/XXXX As of my XXXX statement it shows that I still owe the following : {$430.00} expiring XX/XX/XXXX {$230.00} expiring XX/XX/XXXX {$160.00} expiring XX/XX/XXXX As I have carried no other balances with any other interest rate during this time, I have effectively paid off the balances due in XXXX and XXXX. I have paid back the totals which I have agreed to based on the 12 months 0 % interest offer. 

The PenFed payment allocation rules will not honor the original agreements because I took advantage of a few different offers.

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 2022-03-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the gas company to shut off service at the curb as I had explained that we had already moved & nobody would be there to let them in. They said that would n't be a problem. After receiving this bill, I was told that while there to shut the gas off, a male came to the door & told them not to shut it off, & for some reason, they listened & kept the gas on in MY name. I was never even contacted with any questions or concerns about this matter, they just stuck me with the bill. There is no reason that I should be held financially responsible for a squatter, in an abandoned house, because of the XXXX XXXX Co workers complete negligence, yet when I spoke with a representative, they told me that I am responsible for it. Absolutely not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Works & Lentz of Tulsa, 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: Account information incorrect

Complaint:
Please be advised I have requested validation { not verification } of an item reported to you by XXXX XXXX XXXX. I have received a response that does not indicate or prove : I had this service, What services I am being charged for, or What the cost of each service I am being charged for. Furthermore, XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation