BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Chex systems has failed to delete inaccurate information of addresses and name information and unauthorized inquires. Additionally submitted a police report to have the XXXX account removed from their system. They have failed to verify the method verification as well. Additionally, XXXX has failed to verify authenticity of the dispute within the time allowed under the FCRA. Thus the removal of this account as well.

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 2015-04-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My mother is XXXX years old and has been XXXX ; she has a credit card with Discover and paid for the XXXX insurance with them for over 30 years. Because of her age and XXXX I am the legal power of attorney for her. We have contacted Discover numerous times to file the paperwork necessary to claim her XXXX insurance to pay her credit card bill and have given them a certified copy of the power of attorney. Discover received the claim and instead of contacting me, the power of attorney, they called her to obtain additional information and she told them she does n't have XXXX or any XXXX. Discover continues to collect funds she does not have and makes threatening phone calls because she ca n't pay her bill. Discover is now threatening legal action against an elderly XXXX woman who struggles to identify her own family let alone any credit card ( s ). On XXXX XXXX, we received a letter from Discover saying they are now going to turn this matter over to an attorney and take legal action on a woman who does not even know what year this is! We are asking for help to stop Discover 's predatory collections!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
n accordance with the Fair Credit Reporting act 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 Untitled { , Collection/Chargeoff , Medical Subject has not satisfied debt. } 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan was sold from XXXX To discover student loans and improperly charged off. I was called in XX/XX/XXXX and told I must pay off all late payments or my loans would be charged off. I entered into a repayment program after I was informed that they had charged off to do whatever I could to repair my credit. I was informed by discover that they have no credit repair options, and that even though I was going to bepaying double the minimum payment two Months after it had originally charged off, it would have no positive effect on my account status or credit report. After I was unable to make the full payment, my loans were charged off and I was informed by a different employee at discover that I could have made a minimum payment to bring my account into a current status. I payed off the loan In XX/XX/XXXX and the loan is still showing as a charge off even though it is paid in full 3 months ago and it is preventing me from getting a mortgage and buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: RI
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 recently reviewed my credit report and noticed the following inaccurate fraudulent information that are negatively affecting my good character and reputation ACCOUNT NAME : XXXX XXXX  All Three listed below have inaccurate information OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE

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 2022-05-27
Company: EQUIFAX, INC.
State: RI
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 recently reviewed my credit report and noticed the following inaccurate fraudulent information that are negatively affecting my good character and reputation ACCOUNT NAME : XXXX XXXX All Three listed below have inaccurate information OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an open-end credit plan was denied my right of credit by American Express Company doing business as American Express XXXX I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by American Express Company doing business as American Express on XX/XX/2021 via EMAIL. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by American Express Company doing business as American Express adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. American Express Company doing business as American Express is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I finally received the report on XXXX XXXX XXXX. Neither me nor the bank understands what the report means, or why I have a low score. Nothing in the report indicates why I would be a high risk client for a checking account. 
I would like my record to be completely expunged from ChexSystems by no later than XXXX XXXX, XXXX ( 30 days since requesting the report ). If not, I will be forced to hire a lawyer to investigate ChexSystem 's compliance with the Fair Credit Reporting Act, and file a dispute for each false claim by ChexSystems.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: RI
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 recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : Bank XXXX XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE

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 2017-12-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I called the Member Service number listed on my credit card statement for XXXX XXXX, XXXX XXXX XXXX, because the interest amount charged of {$47.00} was excessive, it calculates to an annual rate of 51 % instead of the stated 23.99 % on the statement. After over 1 hour 30 minutes on the phone, most of it on hold I was told the Balance Subject to Interest Rate was claimed to be {$2400.00}, which was nearly 1.5 times the actual balance of {$1100.00} for the month interest was to be charged. My payment is usually due on the XX/XX/XXXX of the month. I typically pay my balance in full so there is no interest charged. In XX/XX/XXXX, the month the interest was charged I missed the payment date and paid two days late due to thinking I had set up the payment the previous week. The interest charge I am challenging does NOT include the late fee. That fee is legitimate but the interest charge is not. The balance due on XX/XX/XXXX was {$1100.00}. Even if the credit card company abuses the consumer with a two month calculation that still doesnt justify the interest charge. The balance due in XX/XX/XXXX was {$510.00}. The company refused to explain the calculation, there is no rational way to figure out how they exploit the customer and manipulate the effective interest rate to be far in excess of the claimed interest rate. After one hour and 45 minutes another representative came on the phone and continued to argue the rate and still refused to explain how they were fraudulently calculating my interest charge. After 2 hours and 1 minute I put the phone down and ignored the lying and dismissive attitude until the representative hung up. It became abundantly clear that there was no interest by the company to be honest and forthright regarding their fraudulent manipulation of balances. I will be making my payment due XX/XX/XXXX on time but I expect a new exorbitant interest charge on my statement due XX/XX/XXXX. In the fine print on the back of the statement it says the bank calculates the Balance Subject to Interest Rate by using an average daily balance method. It explains that calculation uses the daily balances during the billing cycle. Using that method it would still be impossible to achieve the Balance Subject to Interest Rate of {$2400.00} unless they are using the balance from the NEXT month. Because remember the previous months balance due, paid on the XX/XX/XXXX, the month before month the interest was due for was {$510.00}. Assuming that I made one charge of {$1100.00} on the first day of the billing cycle due on XX/XX/XXXX, the whole balance would still only be {$1600.00}, or roughly 2/3 of the claimed Balance Subject to Interest Rate of {$2400.00}. The bank refused to do anything to correct their error.

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 2016-09-01
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
OUTRAGEOUS. ERRONEOUS BILLINGS CONTINUE TO HAPPEN, NO AUDIT RESULTS, BUT MISTAKES CONTINUE TO " SLIP '' THROUGH. I AM NOW BEING TRIPLE CHARGED FOR A TRANSACTION CLOSING IN MY FAVOR, AFTER DECIDING IT WAS " FINAL '' IN THE MERCHANTS FAVOR. DISCOVER IS NOW GOING TO REVERSE THE TEMPORARY CREDIT GIVEN, HOWEVER WITH THIS REVERSAL, I WOULD BE ENDING UP PAYING FOR XXXXUSD AS YOU WILL SEE IN ATTACHED. PAPER STATEMENTS, DO NOT MATCH UP WITH E STATEMENT " ACTIVITIES ''. SO I AM BEING TRIPLE CHARGED XXXXUSD AND REFUNDED TWICE XXXX USD WHICH EQUALS ME HAVING TO PAY XXXX. HOWEVER, ON THE PAPER STATEMENTS I RECEIVE IN THE MAIL AND AVAILABLE ONLINE, XXXX 'S STATEMENT I WAS CHARGED MISTAKENLY BY XXXX, AND DISCOVER ALREADY REVERSED THE TEMPORARY CREDIT OF XXXXUSD BECAUSE AT THAT TIME THEY CLOSED IN XXXX ( MERCHANT ) FAVOR, THOUGH I HAD ASSURANCE FROM XXXX, THIS WAS THEIR ERROR AND I WOULD BE RECEIVING IT MY REFUND. 
IN XXXX 'S STATEMENT DISCOVER AGAIN REPOSTED THE REVERSAL TEMPORARY CREDIT OF XXXXUSD WHICH I WOULD BE RESPONSIBLE FOR. 
IN XXXX 'S STATEMENT, I HAVE RECEIVED REFUND FROM XXXX AS PROMISED BY XXXX. PLEASE LEAVE AS IS AS THIS WILL ZERO OUT. 
ON XXXX XXXX, 2016, I RECEIVED A LETTER SAYING THE CASE WAS SOLVED FINALLY IN MY FAVOR AND THAT THEY WILL BE ONCE AGAIN REVERSING THE CHARGE OF THE TEMPORARY CREDIT WHICH ULTIMATELY LEAVES ME PAYING AN EXTRA XXXXUSD THAT I AM NOT RESPONSIBLE FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with XXXX XXXX than the defendant in all cases?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Being wrongly sued by Discover Bank and debt collecting attorneys XXXX XXXX for unsecured debt that does n't have any of the following, but not limited to, original contract, terms, incorrect balance, libor rates, lack of standing of plaintiff, etc Please look into this harassment and intimidation letter sent by XXXX XXXX XXXX on behalf of Discover Bank and request all civil action be dropped immediately. As well as report complaint against XXXX XXXX attorney at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Recovco Mortgage Management, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance in XX/XX/2020. I finally signed the closing documents on XX/XX/XXXX after a very long delay. Was told many times that it will close but had to subsequently make 2 more monthly mortgage payments before I signed on XX/XX/XXXX. It is now XX/XX/XXXX and the loan has not been funded and will now have to pay another mortgage. They do not respond or when they did a few days ago, they said it was funded but no payments have been made to my existing loan holder. The escrow company has been sitting on my funds in the amount of {$5100.00} to this day. This is costing me money and great frustration. There is a lack of execution, professionalism, honesty and execution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Please read this entire thing. 

1. First and foremost, I initiated a dispute with CHASE BANK within the time frame of their discretion on the charges that a ) had no right being placed on my card b ) charges I received nothing for in return. So once again, I initiated the dispute within the time-frame that chase 's conditions require. 

2. Chase bank disputed the WRONG charges. So, yes, Chase bank did process the dispute, but for the incorrect charges. These charges were valid and eventually had to be re-instated. 

3. Chase bank took so long to resolve the issue listed above that by the time the CORRECTIONS WERE MADE it was NOW ( and only now ) past the time-frame in which Chase requires disputes to be made. 

4. When I spoke to the last 10+ reps, they all state " you are past the cut-off for disputes on these transactions. '' None of these reps take the time to look into the reason WHY I a past the time frame. 

5. I have a letter and screen shots from the merchant showing that have even attempted to refund the charges, but between Chase and their merchant service provider, the money is being held somewhere. Not my fault, and not my issue. 

XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX I have the dates that the other charges were incorrectly disputed which align with being within the appropriate time frame for these disputes ( had Chase bank disputed the correct charges ). 

My attorney had advised me to document this via the CFPB and retain record of any representative that handles this complaint moving forward before we go to court. 

Attached : 1 ). Chase letter denying me for the 10th time. and the charges in question 2 ). Letter from the merchant with screen shots showing his attempt to rectify the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Financial Management Solutions, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, a rental application submitted denied based on inaccurate information contained in XXXX, XXXX XXXX XXXX XXXX XXXX consumer database. 

Although not registered with CFPB or the state of Maryland XXXX, XXXX XXXX XXXX XXXX XXXX referred in their denial letter doing business as a credit reporting agency but refused to follow the FCRA and validate allege debt. 

On XXXX XXXX, XXXX, I immediately reached out to XXXX tried to obtain a copy of my credit report. In addition, asked if XXXX was reporting a collection item in the amount of {$3200.00}, for FMS Financial Solutions dated XXXX XXXX, XXXX. 

FMS Financial Solution reported inaccurate, knowingly false information about in regards to an allege debt. FMS Financial Solutions failed to FRCA and notify consumer of allege debt and give consumer an opportunity to dispute and ask for the debt to be validated. 

All parties involved XXXX, XXXX XXXX and FMS Financial Solution refused to follow the FCRA and provide FMS contact information XXXX current address, account number, name of company that placed debt in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: U.S. BANCORP
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, Elan Financial advised me by letter that it was closing my account and forfeiting my award points. Elan did not state a reason. When I contacted Elan Financial, they advised me that their neither had to give me an explanation nor provide the identity of the credit bureau or consumer report it accessed.

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