BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see the attached supporting docs. This is a short version of the 29 pages submitted to Chase credit card via upload to there website and mailed in which they advise were received. 
On XX/XX/XXXX I booked a hotel room on my credit card ending with XXXX via XXXX XXXX XXXX for XXXX XXXX XXXX for a 6 night stay XX/XX/XXXX to XX/XX/XXXX for {$830.00}. This was part of a 3 week tour of XXXX. On XX/XX/XXXX the Hotel advised they can not accommodate us as English Government will not allow bookings due to Covid19 and per their website they have rented the rooms to Covid19 first res-ponders. I got no where with the merchant who offered a future credit. I am traveling with my spouse who has a XXXX  XXXX XXXX XXXX XXXX XXXX diagnosed XX/XX/XXXX, and this was probably his last birthday where he can XXXX and XXXX XXXX. He wanted to be in XXXX, XXXX. We live in XXXX XXXX, FL I disputed the merchant chase with Chase hold times over 3 hours.I then uploaded supporting docs and mailed in hard copies. 
Chase sent a refusal of the dispute siding with the merchant dated XX/XX/XXXX stating " I either received the service from the merchant or it was made available to us. They also can not confirm if services were available. In the documentation I gave from the merchant they admit the room was NOT available. Chase failed to read my documentation. I contacted a supervisor who was cold and could care less not protecting my money from a double billing hotel. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one is falsely reporting payment history that is damaging credit. XXXX of XXXX and XXXX of XXXX. I have documents stating I made several payments before the actual due date for the months that are reporting late payments. This false informations needs to be removed or corrected. I have tried to resolve with capital one and have disputed on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After carefully reviewing my credit report I notice that there are addresses and unauthorized phone numbers on my report. I am requesting a security freeze on my report through Lexis Nexus,  XXXX and XXXX. My name should appear on my credit report as : XXXX XXXX XXXX. My current residing address is : XXXX XXXX XXXX XXXX XXXX  XXXX. 
Please delete the following addresses from my report and freeze my information Please delete the following 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 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  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  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX   XXXX Please delete the following : ( 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 ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for account activity text & email alerts on XXXX  at XXXX. I still have not received any account alerts. I spoke on the phone with a representative who said they escalated the problem to the XXXX department, but my account is still not working properly and I never received any further correspondence about the issue. It seems no one at Synchrony can understand the problem, much less do anything about it. Very frustrating.

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 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 2023-01-19
Company: EQUIFAX, 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:
This is my other 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2023-10-06
Company: Cascade CISS Holdings, LLC
State: AZ
Product: Credit reporting 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 noticed some unauthorized inquires on my report and in accordance with the FCRA i would like to have them remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX  Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.

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 2023-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account XXXX : XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear bureau, I am heavily monitoring my credit and noticed several inaccuracies. You have original creditor listed on my credit report. Who is that? To my knowledge any item you list on my credit has to VERIFIABLE according to the FCRA. There is no contact information for original creditor. I did my research and nothing popped up. Remove this erroneous account from my credit report immediately within 5 days of this letter. 

Should you not remove this I will send this to my Attorney general for further review. 

List out the account name ( XXXX ) - Account Number

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
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 checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/XXXX and I noticed that this Inquiries had been made XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am writing on behalf of my wife 's Amazon Prime Store Credit Card by Synchrony Bank. Twice this year, I had made an early payment which means I paid off the entire balance before I receive the statement at the end of the month. I want to help my wife build her credit, by paying on time and paying off the entire balance each month. 
We have XXXX young children including a newborn just XXXX XXXX XXXX, every time when my wife wants to purchase something on Amazon Prime, she would go and see how much available credit she has on her Amazon Prime Store Credit Card, and we would budget from there, just recently we had paid off a balance of {$380.00}, so we can purchase an item, knowing her credit limit is only {$400.00}. 
This is the second time this year, Sychrony decided to lock/hold down the account, the customer service rep, say the funds are held for six business day. The funds were withdrawn from our checking account, but Synchrony wont credit the account and release the funds of {$400.00} Total Credit Limit for us to use on Amazon Prime. 
My wife is fairly new to credit, we had not missed any payments on the account, but there were a few times, when we didn't pay off the entire balance, so I had a remaining balance, but most of the time payments were made on time, because my wife likes to shop on Amazon Prime. The first time I called and complained to Synchrony Bank, the representative said it was a " red flag '', that we pay off the entire balance at the end of each month, but still wouldn't release the funds, so we can go and shop again on Amazon prime. 
Most banks, once payment is made, funds can be used again after twenty four to thirty six hours, but Synchrony bank, likes to hold the funds for six days after payment is made, which means we can not use the account, which is really inconvenient for us. 
Also I would like to mention Synchrony Bank originally gave my wife {$1100.00} Total credit limit and all of a sudden decided to lower the limit to {$400.00} without any explanation despite my wife 's credit history

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 2023-08-17
Company: Experian Information Solutions Inc.
State: OH
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 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 XXXX ALL UNAUTHORIZED CREDIT PULLS

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX I call Trans Union to unfreeze my credit and talk to representative XXXX XXXX. XXXX told me she unfreeze my credit. After the phone call I'm notified by Visa credit card company that Trans Union billed me {$27.00}. XXXX never told me that there was a fee and I never gave XXXX more my new credit card number. Somehow the XXXX and got my credit card number from my credit report with Trans Union and made an authorized charge to it. I called Trans Union today and was transferred around between robot to robot and after an hour I never get a representative on the phone to refund the unauthorized Trans Union {$27.00} charge. 
Please make Trans Union refund the unauthorized {$27.00} charge. 
Please tell me how I can exclude all of my credit information from Trans Union so I never have to deal with them ever again for eternity. Thank you for your 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 monetary relief
Consumer complaint received 2023-09-29
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:
am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that TransUnion cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, I am providing the following XXXX XXXX Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ XXXX XXXX Account Status Code ] { 88 } Payment Rating : [ XXXX XXXX Payment Rating ] { 89 } Special Comment Code : [ XXXX XXXX Special Comment Code ] I expect TransUnion and XXXX also XXXX! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by TransUnion, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that TransUnion did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX  ] Inaccurate Information : [ XXXX XXXX XXXX XXXX, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX  ] INACCURATE INFORMATION : [ Shows as a Collection XXXX Months, Collection amount and Dates I believe that the reporting of this information by TransUnion has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion or XXXX and XXXX did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CA
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:
My ex along with a wells fargo rep opened a joint account and cashed my unemployment checks totaling XXXX XXXX dlrs I was in XXXX being held against my will and it took me about 3 months to escape when I got back came to find out what she had done so I filed for divorce it was not contested she didn't even go I filed all the paperwork required by the unemployment department and send copies to wells Fargo they never responded still today when I call they say there's nothing in the system but there has to be because unemployment has the cashed checks and also there another issue with a car I had for my ex her name was on there for the purpose of insurance and because she drove that car but I was the only one in charge of the finances including this car I had just gotten her her immigration papers so she didn't work at that time well they sent a check but I can't cash it there holding on to it i did get her to endorse the check and deposited via ATM well they eant me yo take her to the bank putting me in a bad position she is remarried and like I said we don't talk so I figured worst case scenario give me my half though she does not deserve it so if you can help I would really appreciate it all of this has gotten upset all over again and wells fargo determination to have me deal with my ex is unacceptable it's gotten me really upset having to relive those moments

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 2020-07-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon checking my credit report I have noticed some addresses that do not belong to me. I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: LA
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:
Experian and XXXX are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report Experian and XXXX  to the XXXX and the 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 non-monetary relief