BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX  XX/XX/2022 XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$520.00}

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 2022-08-23
Company: EQUIFAX, INC.
State: FL
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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was Incorrectly billed during the Dispute process ( XX/XX/XXXX ) on my Lowes Credit Card.

The Error was to be corrected by Refunding me the Over Charged Interest and Disputed Purchase Amount ; according to the XX/XX/XXXX letter from Synchrony Bank. 
I have not received any Refund.

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: Experian Information Solutions Inc.
State: FL
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 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 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-22
Company: Experian Information Solutions Inc.
State: TN
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 Account, XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-22
Company: Experian Information Solutions Inc.
State: TN
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 Account, XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-21
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: Their investigation did not fix an error on your report

Complaint:
This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Williams, Alexander & Associates, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was never notified from the original creditor that a debt was owed. Now I am receiving notices that it went into collection. This is not fair to me and it was delivered to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The following Violations were violated as a consumer - 15usc1692 ( B ) " an attempt to collect a debt '' is language that indicates your in the debt collection business which is a direct violation of 15usc 1692 ( b ) 5 -1692 ( C ) being contacted at a time that is inconvenient for the consumer -1692 ( C ) did not have my prior consent to contact me, the consumer at all which included via mail, telephone and email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: AMERICAN EXPRESS COMPANY
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:
American Express will not apply the Military Lending Act to my account. I have confirmed through the MLA database that my wife and I are indeed eligible for MLA. American Express claims that since the account was opened before XX/XX/XXXX that we are not eligible. However, the law states that companies must comply by this date ; it does not state that you are not eligible. 

I filed a complaint, XXXX, in XXXX of XXXX and they refuse to apply MLA to our account. 

Details from American Express : I would like to inquire about the status of XXXX Thanks for the clarification. Let me check the details for you. Please allow me a few moments. 

I am still checking the escalation. Please allow me a moment. Thank you. 

Thank you for waiting. I am sorry to keep you waiting. My apologies. 

I have checked the details from my end. I see that our back end team investigate this and as per the notes they have confirmed the email send on SCRA about this account is not eligible as well.

As per this notes it says.. 
After reviewing your inquiry, our records indicate that you are not eligible for relief under the Military Lending Act. We will continue charging any applicable fees.

And also on SCRA Our records indicate your account was opened during the XXXX XXXX time period. Therefore, this account is not eligible for relief under the Servicemembers Civil Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Google Compare Credit Cards Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed my debit card had been charged XXXX times at XXXX dollars each totaling XXXX dollars for google play. I have a monthly recurring charge of {$6.00} for XXXX aware services and hundreds of dollars of Google equipment in my home. Google will not return these unauthorized charges due to my prior/current recurring payment history. I have disputed these charges once through my financial institution and twice through google as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Colony Brands, 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 belongs to someone else

Complaint:
I have attempted to resolve this matter from since XX/XX/2020. Colony Brand XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both XXXX  and Colony Brands on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by XXXX, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at Colony Brands that they will be communicating with XXXX  about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. XXXX is willfully closing my disputes and ignoring any written legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MD
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:
A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX of XXXX I purchased a bed from XXXX XXXX through their Synchrony credit line. I immediately paid my account off whenever I utilized. Initially we were having problems with them sending the bill to the correct address after updating it with them on several occasions. Recently, I wanted o take advantage of another one of XXXX XXXX sales and contacted XXXX of the sales representatives that always helps me in my purchases. When the representative went to make the purchase he discovered that my limit had been decreased without me being notified. It was my understanding that I had the same limit since I opened the account. When we tried to speak to Synchrony in reference to this matter they stated that they were merchant services and I would need to speak directly to a customer service representative. In speaking to this representative, I was told that they would have to run my credit again for an increase. The representative also could not tell me if it would be a soft pull of credit or hard pull. They just kept saying that they had to rerun my credit. So, I am now concerned because I again was not made aware of a credit decrease and my understanding is my limit was the same. I have used my card when needed and have not had problems before. What truly has taken me aback is my account being in good standing and the unknown decrease in credit. I have not received any information that speaks to a decrease, let alone have I received a bill from them since my account has been paid in full for some time. When I tried to increase the limit back to the original amount that I was approved for I was denied. I asked the representative to lose my account because there was no use for an account that I could not utilize to pay for the goods that I wanted to purchase. Again, I just purchased multiple things from XXXX XXXX prior to today XX/XX/XXXX. I as a consumer should not have this inquiry go against my credit when I was initially told that I had a certain line of credit and paid the account in full before any payment was due. Synchrony is tarnishing the positive relationships that XXXX XXXX has with those consumers who are repeat customers who have paid their account balances in full. Please note that the XXXX XXXX representatives are the reason my family continues to come back. We have been loyal customers with XXXX XXXX over 20 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I upgraded my credit card at Chase and wanted to close my old credit card with them. Unfortunately, it refused to close so I went into a Chase store branch in XXXX to close it in person. The service manger helped close the account but I was charged a late fee and the credit card reopened and I just found out about this in XX/XX/XXXX when I noticed I had a Delinquency Report on my account and my Credit Score dropped almost 100 points. I went back to the store again to fix this problem and they said that a merchant continued to charge that account and it reopened the closed account which doesn't make sense. How can a merchant reopen a closed account without the account holder 's permission. Chase claims they are not responsible for this mistake because there was nothing wrong with their system. Additionally, I had the account on auto pay as well so there shouldn't have even been any missing payments to begin with. I hope you can help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a purchase on XXXX XXXX and it was cancelled by merchant. Then I was charged a transaction of XXXX which I never authorized and XXXX isnt locating records of this transaction. Disputed with Chase and they didnt provide me with details on how this charge is valid or who made the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I applied for a small installment payday loan on the Possible finance app on my phone Friday afternoon of XX/XX/22 and was approved for {$75.00} dollars. The app said the money would be deposited directly into my checking account XX/XX/22 before XXXX. The day came and went and no deposit arrived. I contacted Possible finance through the help center on their app stating I had received no deposits and sent screenshots of my bank statement and the actual message from Possible Finance about the deposit date information. I was advised via email to wait another day I was already extremely suspect but what option did I have? I wait another day, still no deposit, I reached out through the help center of the app for about the fourth time and was told to wait another day I sent more screenshots and asked the loan to be canceled as I did not wan to to pay this shady company for money I didnt receive. I got no response after that. My first installment is due XX/XX/22 but I never received these funds. I believe this Possible Finance is acting unethically and preying on desperate people for small loans with large interest rates that never get deposited.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: AppFolio, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello Consumer Financial Protection Bureau, Could you contact Appfolio Consumer Relations Agency to conduct a thorough investigation of my Appfolio consumer relations account to determine whether or not Appfolio Consumer Relations Customer Support Representative ( XXXX ) is an employee at Appfolio Consumer Relations Agency? CFPB, why did XXXX state in her email You also have the right to request that we send notification that your report has been modified to any person who within six months prior to the date of this letter received a consumer report about you from AppFolio that contained the disputed information. CFPB, I replied to XXXX email and asked he/she to contact XXXX XXXX XXXXXXXX and provide XXXX XXXX XXXXXXXX with an updated copy of my Appfolio Consumer Relations Report. CFPB, XXXX replied to my email and stated, he/she couldnt send a updated copy of my Appfolio Consumer Relations Report to XXXX XXXX XXXXXXXX after explaining to me he/she could send a updated copy of Appfolio report to any person I asked the agency to send the report to. CFPB, I have attached screenshot images of my supporting documentations to support my complaint against Appfolio Consumer Relations Agency.Also, CFPB I couldnt recover my email to Appfolio Consumer Relations Customer Support Representative ( XXXX  ) who assisted me with my complaint. CFPB, I could only recover XXXX reply emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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 belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation