BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
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:
On or about  XXXX   XXXX  I was purchasing something through  Amazon.com. It referenced " linking '' the card to my Amazon Prime account. The ad said if I did this I would get a discount to my purchase or a credit to my account. I applied for and received a new credit card with a {$4500.00} limit. I did not understand that this meant that my annual renewal fee for my Amazon Prime account   would now be charged to a new credit card. In  XXXX   XXXX  apparently it charged my new  Amazon Prime card. Prior to this, my Amazon account automatically debited from another account. I also did not receive a notification from Amazon that my card was being automatically debited, so I had no reason to believe a charge was being applied. Believing that I had a {$0.00} balance on the new Amazon Prime card, I did not pay anything for several months.  The result was in  XXXX   XXXX  I was reported to several credit reporting agencies. I contacted  Chase and disputed the item through  XXXX . Chase ( which runs the Amazon Prime Chase card ) is refusing to fix the situation, claiming that as long as there was a charge on the account, and it was n't pa id, that this is the end of the discussion. I also should point out that I do not live at the address in which the bills were purportedly sent - I live in a new apartment. I suppose that is my fault for not updating my address, but I did not have actual knowledge of the bill. The result of all this is my credit has dropped by  XXXX  points while I am applying for a new job and it could affect my ability to make major purchases, such as a new apartment  in the County where  I am trying to get the new job. I am very upset and I do not know how to deal with this short of suing people under the Fair Credit Reporting Act. I have n't submitted any documents to anyone, but I suppose I could find things to support what I am saying. However, Amazon has most of the documents here. I have now paid the balance, but my credit is busted and it will take years to go back up  XXXX  points. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: SYNCHRONY FINANCIAL
State: TX
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:
All 5 of my Synchrony credit accounts were closed on the same day, XX/XX/2022. 3 were store only cards and two were general use though Sams and TJMaxx. Ive had my Sams XXXX for 4 years. Always paid on time, and until only recently carried a balance for a few months. I paid it in full on XXXX XXXX. I had accidentally scheduled two $ 19,000+ payments, one on XX/XX/XXXX, and one on XXXX XXXX. 2022. I called Synchrony to try to cancel the second payment but they said it was too late and advised me to contact XXXX XXXX to stop payment on the second scheduled payment, which I did. They cited potential failure to pay as the reason to close ALL of my accounts, 4 of which had a zero balance at date of closure. I have a balance of {$40.00} on my TJMaxx card which is scheduled to be paid automatically prior to the XX/XX/XXXX due date. 
I contacted Synchrony and they said all I could do is reapply, but that will hurt my credit rating. My credit was well over 800 when I got divorced two years ago and took a dip when I got divorced and paid off my mortgage. Synchrony had just given me my Belk card in XXXX, even though I had a balance on my Sams card. I believe their system saw the stopped payment on the XX/XX/XXXX and read that as failure to pay EVEN THOUGH the day before the balance had been successfully paid in full. I can not have more hard inquiries on my credit to replace these cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: ALLY FINANCIAL INC.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent Ally Financial and XXXX and XXXX  a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2020-01-17
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX ran my credit without my consent. ALLY FINANCIAL ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Kriya Capital, LLC
State: IL
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 disputed a error on my credit report with XXXX. A collection agency is attempting to collect a dept that is inaccurate. I was given a generic copy of a invoice with no information  on it other then, final balance due. I have no idea what the charges are for and cannot get a itemized bill. My final.bill with XXXX was paid. They now claim I owe over $3000 yet, cant send me a itemized bill. I never received the credits from my phone they were supposed to buy back from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate Sears Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under Shell CBNA on XX/XX/XXXX in the amount of {$600.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.

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 2020-01-17
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is missing the full 100 % verifiable information of a phone number and an address. NO CONTACT INFORMATION WAS ON THERE SO WHO VERIFIED AND VALIDATED THIS INQUIRY?! ATTACHED IS A SCREENSHOT OF THIS COMPANIES Deceptive marketing strategies and proof that they are not following the laws of FCRA. This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 


Furthermore, I 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 will proceed 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. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: CURO Intermediate Holdings
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive spoke with debt collector over the phone before, and every time I have been threatened to be taken to court as Ive tried to resolve this. Ive also been accused of never intending to pay the money back. Because of the threats and accusations from the debt collector I have not wanted to resolve this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After reviewing my credit report, I found this item still in my report. Your investigation did not fix error on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Information belongs to someone else

Complaint:
Need these 4 Inquiries deleted from Personal Credit report with Transunion XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX  XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Home Furnishing XXXX XXXX  XXXX XXXX, TXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX 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 explanation
Consumer complaint received 2016-03-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I use the Navient online portal to manage my account. All billing is sent to me via email. 
I recently received an email from Navient regarding my account that had been sent to a relative, who 's contact information has never been a part of my loan process. I was confused because I had received no communication myself. The Navient Customer Service Dept. informed me that I had logged into the site and changed the email myself on XXXX/XXXX/16. I tried to explain to Navient that there was not a chance I had changed this information they let me know they had corrected my email and moving forward information would be sent to my proper address. At this point a process was triggered that sent an email to both the corrected email address as well as the incorrect email address, this process did not take place on XXXX/XXXX/16 when my account was incorrectly adjsuted. I am concerned because I did not change the address and my information had been shared with an unauthorized individual. Navient did not address my security concerns with how the email address was changed. The relative who received my email regarding my account had previously held an account with Navient and has a letter stating her account had been paid off dated XXXX/XXXX/16. I do not know if this was a data entry error or if my account has been hacked and my credit card info. and SSN have been compromised. Navient has not provided any information on how this was changed other than accusing me of the change. I am concerned Navient made the change, in error or to gain my attention for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, XXXX and, TransUnion ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other Soldier 's may be similarly situated and the CFPB should track this company for other complaints.

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 2020-01-17
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: Was not notified of investigation status or results

Complaint:
Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 Transunion more than 21 times. transunion 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

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 2016-09-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
funds I put in checking account is not adding up. I invested money in cd 's and money market account and some disappeared, also never received a quarterly statements about my accounts in two years.

Company response to consumer: Closed with explanation