BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: SYNCHRONY FINANCIAL
State: NC
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 customer service

Complaint:
have opened a 'careCredit ' account and have received the card in the mail. however, i can not access the account thru the website carecredit.com. when i try to login i get this message : we apologize. we are curretnly experiencing technical difficulties and are unable to access your account. please try again later or contact customer service for assistance. 

for 8 days, i have tried to access my account. the only way to access is by using incognito browser, which is unacceptable i have called 4 different numbers for customer service, and no one was able to assist me. 
very frustrating and poor customer experience.

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 2022-11-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XXXX of XX/XX/2020, I tried making a transfer from my chase checking account and I was not able to and was told to visit a chase bank branch to complete my transfer. 
I went to a branch the XXXX of XX/XX/2020 and met with a bank manager, He further went to tell me to notify my family members who sent money to my chase account to walk into a chase branch with XXXX forms of ID and verify the transactions and have the bank branch give him a phone call... 
I was able to get my family member to do this but when they got it done they were informed that my chase account is no longer active .... 
My account had been closed on the XXXX of XXXX, I reached out to the bank again and asked why my account was closed and they didn't give me a solid reason, they only just told me they will mail me a check of the funds I have in my account within 90 days ... I had a total of {$10000.00} in my account and was furious because the funds were mean to take care of my medical bills and my child 's college bill, I waited and waited and waited and up till this very day I never got my check or my funds in my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I want to counterlaw suit this company called Midland credit.com Company in XXXX FL. Don't provided people with the right tools instead threatened with lawsuit and I don't like this company at all their attitudes XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
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:
On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, XXXX, Experian, XXXX, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 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 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 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 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 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 year old daughter 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chime banking institution allowed a transition to charge to my account bringing it into the negative status ; the particular company had attempted to charge my account on XXXX, XXXX, XXXX, XXXX, XXXX. They were declined on the respective attempts and then Chime allowed the unauthorized transition to go through the without overdraft protection and without my permission. Frankly, the transition was not authorized and should not have been charged to my account. 

I have contacted Chime and they have refused to resolve the issue and instructed me to contact the merchant. This is completely unacceptable as I did not authorize the transition on either side of this. The Chime representative stated that he was unsure why the transition went through as I do not have overdraft turn " on '' so it should not have went through. 

I am requesting my account to be credited the {$29.00} in which it was overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. This is at least my XXXX attempt to get Equifax to publish my consumer report in accordance with federal laws. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Mortgage Research Center, LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I received a text message from Veterans United Home Loans saying that I started my home loan process with them. I checked my email account and saw two emails from Veterans United Home Loans, one of which also stated that I started my home loan process. I contacted them immediately to tell them that I did not do anything with them and I am not in need of any home loans. They said that they believe someone who worked with Veterans United Home Loans got my information from the VA and put my information into the system. This is not ok, and I have no idea how far they are going to go with this or exactly how much of my information about me they took from the VA. This organization is not ethical and is possibly criminal and I am very concerned that they will start stealing more information from me to either sell to other parties or start processing loans with my information. Please help me stop them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
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: Public record information inaccurate

Complaint:
The company Equifax said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: NY
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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, XXXX, XXXX, Equifax, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters demanding debt be validated, no response. Creditor keeps assigning to new collection agency. Debt is for utilities in Texas. I was born and raised in California and never been to Texas. I am a senior citizen and they are engaging in elder financial abuse by refusing to validate the debt, give me the information surrounding the debt and refusing to answer my letters. They are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Debt Co LLC
State: IN
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 have disputed 3 accounts that are currently being listed by Debt CO XXXX. I have disputed the accuracy of the information both with Debt CO XXXX, XXXX and XXXX. I have disputed the accuracy of the accounts as they report an account open date of XX/XX/XXXX. When in reality the accounts were opened on in XX/XX/XXXX. After the initial dispute, XXXX stated that the information being reported to them was accurate. When I spoke with the original creditor ( XXXX XXXX XXXX ) they stated the account was opened on XX/XX/XXXX. When I asked for files pertaining to the account they stated they did not have them as they were forwarded to debt collections company ( Debt CO XXXX  ). I contacted Debt CO XXXX  to get the information on the debt ( validation of debt ) and they stated they would have to submit to submit my request for information to see whether or not I could get that information. The agent then stated if I wanted to go ahead and pay the full amount, they could do a pay for deletion. I asked for the documents validating the debt and I was informed again that they were submitting to see if my request would be approved. I asked how long it would take and they stated it could take anywhere from days to weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an XXXX credit card and the bank operating the card changed. I had automatic payments set up and did not receive any notice that they would be terminated, possibly due to the fact that I moved during the time that the banks were transferred. Because my automatic payment didn't post, my payment was late and the credit card company reported to credit agencies. When I realized it was late, I immediately paid in full and sent a letter to the bank explaining the situation. The bank responded initially by saying they would remove the negative credit remark, but they have not done so and my credit is still impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Failure to protect my data and now all my personal information is available on the internet and no matter what I can do. My personal information is on the darkweb.

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 2022-11-26
Company: CITIBANK, N.A.
State: NJ
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 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 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 2022-09-19
Company: REGIONS FINANCIAL CORPORATION
State: NJ
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:
did not authorize this credit inquiry

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 2022-11-28
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, sent a letter of rescission to DISCOVER FINANCIAL SERVICES rescinding the consumer credit transaction pursuant to Title 15 U.S. Code 1635. They received the rescission letter on XX/XX/2022. DISCOVER FINANCIAL SERVICES has not responded to this rescission.

Company response to consumer: Closed with explanation