vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The following is to request that the total amount of {$1300.00} dollars be removed from my credit report as delinquent for the following reasons. 
On XXXX of XXXX I went to XXXX XXXX in XXXX XXXX Florida, because my wife needed on an XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX 

When it was time for the estimate for this work, I did not have the full amount required to get this procedure done. The billing department at this location offered the Care Credit Credit Card. I had my doubts about getting approved for this card, since I knew my credit was very low. We were informed that the {$1000.00} was to be used for the XXXX  she needed. 

We were informed that the XXXX required a XXXX XXXX XXXX XXXX XXXX  before they could start working on her XXXX. At that moment no one informed us that it would cost {$1600.00} to perform that XXXX. Ater that process was done no one informed us that we had an outstanding balance on anything. 

The XXXX was not done at this XXXX since my wife did not feel comfortable with the way the XXXX  was performed. It would not be able to get her XXXX done until XXXX of XXXX at another XXXX company. 

After not getting this work done at XXXX, I received a bill from Synchrony Bank Care Credit for a bill for the {$1000.00} dollars. On XX/XX/XXXX, I received a letter from Synchrony Bank stating that my first dispute was denied, when this same bank on XX/XX/XXXX had sent me a letter informing me that they were unable to assign the credit amount requested. In their letter stating 4 reasons I was denied, 1. Lack of real estate secured loan information 2. No open bankcards in your credit file 3. Too many inquiries 4. Too many delinquent or derogatory accounts The amount applied for was not to increase the credit limit, since this was the first time applying for this card. 


If someone at Care Credit processed this payment knowing that I did not qualify, I feel that I should not have to be held responsible for the {$1300.00}, because the work performed was not a XXXX XXXX  and they did not approve me for any amount since my credit was so low.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had been a customer for 20 years. XXXX XXXX is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to 15 people both XXXX XXXX and XXXX XXXX XXXX  within a month and recorded 9 hours of phone calls. I was refused to provide XXXX contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for 1 hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then XXXX XXXX XXXX XXXX XXXX XXXX lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my 3rd online check from my bank, also XXXX XXXX. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from XXXX XXXX  and buying anything. The next step is to file a fraud complaint.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had been a customer for 20 years. XXXX XXXX  is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to XXXX people both XXXX XXXX and XXXX XXXX XXXX within a month and recorded 9 hours of phone calls. I was refused to provide XXXX contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for XXXX hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then XXXX XXXX XXXX XXXXXXXX XXXX XXXX lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my 3rd online check from my bank, also XXXX XXXX. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from XXXX XXXX and buying anything. The next step is to file a fraud complaint.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have requested this company stop reporting on my credit report and to fix the and report the correct balance American express ran up the bill amount without my acknowledgement when I was trying to fix the account, they sent my information to a collections agency in Florida which is unlawful and not in the accuracy The account involved is in litigation. American Express keep reporting on a daily current weekly on my report with the incorrect information the balance indeed is incorrect ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Hello, I applied for a Chase Sapphire Preferred Card and was denied. A hard inquiry was made to my credit on XX/XX/year>, dropping my score to FICO score to XXXX, from an estimated XXXX. I did not receive any notice from the company so I called multiple times and different numbers where I was not informed about why I was declined and always told to wait 7-10 days to receive a letter in the mail. There has been no letter to provide reason for the denial. A formal " Adverse action notice '' has not been provided in accordance to the ECOA. I have excellent credit, no delinquency, no other Chase credit cards, no recent hard inquiries to my credit. There is no reason to deny my application, thus my rights at this time have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this account last month and it came back verified.

I have written to dispute the accuracy of information on my credit report. According to the Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n All these laws should be applied when it comes to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this account last month and it came back verified.

I have written to dispute the accuracy of information on my credit report. According to the Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
According to FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n All these laws should be applied when it comes to my credit report.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX, SSN ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a personal loan account opened with XXXX on XX/XX/XXXX, under the account number ( XXXX ). A account with XXXX XXXX XXXX opened XXXX XXXX under account number ( XXXX ) Collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX under account number ( XXXX a rental lease with XXXX XXXX XXXX opened XX/XX/XXXX, under account number ( XXXX ) and XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
IT HAS COME TO MY attention THAT THE CHARGE-OFF IS BEING MONTH AFTER MONTH ON MY PAYMENT HISTORY, WHICH IS INCORRECT.ACCORDING TO THE [ FCRA ] NEGETIVE INFORMATION SUCH AS A CHARGE-OFF SHOULD ONLY REPORTED ONCE THE FCRA requires THAT CREDIT REPORTING AGENCIES ENSURE THE ACCURACY OF THE information THEY REPORT [ 15 U.S.C 1681 e [ b ] repeatedly REPORTINGING THE CHARGE-OFF EACH MONTH results IN A misleading AND inaccurate credit report. Which has significantly harmed my credit score the first delinquency that led to the charge-off { 15 U.S.C. 1681C { A } [ 4 ] continuously REPORTING THIS CHARGE-OFF AS A NEW EVENT EACH MONTH DOES NOT RESET THE STATUTE OF limitations AND IS IMPROPER PLEASE request THAT YOU promptly investigate THIS account AND correct THE inaccurate information BY removing THE repeated entries OF THE CHARGE-OFF FROM MY payment history .PLEASE UPDATE MY credit REPORT 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/year> : I was preparing to pay a credit card bill. I always pay the whole amount. I noticed there was an interest charge of {$22.00}. Then I noticed I had made an error of XXXX cents on the previous bill and for this reason they were able to add this unreasonable interest charge based on the month 's billing. I spoke to three different people and they all said they had no power to reverse the charge even though I have been a customer for more than 50 years and always pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I been with chase since XXXX, In XXXX notice is money missing, i wasnt able to enter to my account on line, i will called them let me know, i will check my statements on line and my balance will be accommodate, still knew it was money missing, and XXXX i decide to take a break from work and check on my accounts, i called bank several times to send me statements it took them about 7or 8 months to send it, my statementes were all mix and imcomplete, and when i decide to check on my statements i was not able to read or focus [ contamination ], it some charges from a company XXXX XXXX XXXX  web payments {$5700.00}, plus statements are very wrong to many charges from XXXX, XXXX, and many diferents charge it another few thousands, someone enter to my my account ilegally, plus i have contact the bank, to investigate, not resolving anyting closing the case with out investigation,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Oasis Legal Finance Holding Company, LLC
State: NY

Complaint narrative:
From XXXX to XXXX of XXXX my personal information was stolen and misused while XXXX XXXX XXXX. Multiple accounts have been opened without my consent. I have asked these agencies to provide me with the original signed contract so I can validate my signature and I was only provided with past due bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I subscribed to the service. I paid for the first month and didnt like the service and emailed customer support to cancel. They responded back and asked why did I want to cancel and offered me a 70 % monthly discount code. I declined and they are still trying to charge my card. My card has tried to be charged over 40 times in the last 2 months and I would like to make a complaint and pursue any type of legal action because it should never be this hard to cancel a simple subscription when you are dissatisfied with the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am trying to pay off an outstanding balance on my HELOC with Frost Bank. Every month, the app somehow has " technical issues '' that prevent me from transferring money from my external checking account to my Frost checking account ( which they require me to have ) so I can process the payment. 

First, I should not be required to have a checking account with Frost to make these payments. Second, the bank appears to be putting up roadblocks that keep me from paying off my balance at an amount and timeframe that I prefer to pay. Frost closed the checking account I am required to maintain earlier this year because it did not have enough money in it ( in their minds ), and I was required to go through an entire other process to have that reopened. Further, when I attempted to pay this month, the app shows a " {$0.00} '' transfer limit amount and send an error message telling me to " try again later. '' Second, I logged into the bank 's website from my computer, and even though my external checking account has been added to my profile, it does not appear as a transfer option when I try to use the web-based software to transfer money between the external and Frost account . The chat agent then tells me to go withdraw the cash from the other bank and deposit it with the local Frost branch. All of these apparent " errors '' make it harder for me to make timely payment. This causes me to accrue additional interest amounts that I would very much like to avoid. Frost should not be in a position to cause such delays to my payments. 

These roadblocks and impediments to making my payments appear to be calculated to ensure Frost makes me maintain a large outstanding balance so that the bank can continue to profit off of the interest amounts the bank is causing me to suffer. I know their software works just fine, as I've transferred and paid on this account in the past. The bank should be penalized for these predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
IT HAS COME TO MY attention THAT THE CHARGE-OFF IS BEING MONTH AFTER MONTH ON MY PAYMENT HISTORY, WHICH IS INCORRECT.ACCORDING TO THE [ FCRA ] NEGETIVE INFORMATION SUCH AS A CHARGE-OFF SHOULD ONLY REPORTED ONCE THE FCRA requires THAT CREDIT REPORTING AGENCIES ENSURE THE ACCURACY OF THE information THEY REPORT [ 15 U.S.C 1681 e [ b ] repeatedly REPORTINGING THE CHARGE-OFF EACH MONTH results IN A misleading AND inaccurate credit report. Which has significantly harmed my credit score the first delinquency that led to the charge-off { 15 U.S.C. 1681C { A } [ 4 ] continuously REPORTING THIS CHARGE-OFF AS A NEW EVENT EACH MONTH DOES NOT RESET THE STATUTE OF limitations AND IS IMPROPER PLEASE request THAT YOU promptly investigate THIS account AND correct THE inaccurate information BY removing THE repeated entries OF THE CHARGE-OFF FROM MY payment history .PLEASE UPDATE MY credit REPORT 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
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
IT HAS COME TO MY attention THAT THE CHARGE-OFF IS BEING MONTH AFTER MONTH ON MY PAYMENT HISTORY, WHICH IS INCORRECT.ACCORDING TO THE [ FCRA ] NEGETIVE INFORMATION SUCH AS A CHARGE-OFF SHOULD ONLY REPORTED ONCE THE FCRA requires THAT CREDIT REPORTING AGENCIES ENSURE THE ACCURACY OF THE information THEY REPORT [ 15 U.S.C 1681 e [ b ] repeatedly REPORTINGING THE CHARGE-OFF EACH MONTH results IN A misleading AND inaccurate credit report. Which has significantly harmed my credit score the first delinquency that led to the charge-off { 15 U.S.C. 1681C { A } [ 4 ] continuously REPORTING THIS CHARGE-OFF AS A NEW EVENT EACH MONTH DOES NOT RESET THE STATUTE OF limitations AND IS IMPROPER PLEASE request THAT YOU promptly investigate THIS account AND correct THE inaccurate information BY removing THE repeated entries OF THE CHARGE-OFF FROM MY payment history .PLEASE UPDATE MY credit REPORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I ordered a dress from a merchant on XXXX XXXX XXXXXX/XX/year> for {$120.00} and I received the dress on XX/XX/year>. On receiving the item, the size was smaller than indicated on the website, so I returned it on XX/XX/year> and the merchant received my return. 

I requested an Affirm loan and made the downpayment of {$32.00} from my credit card. My vendor refused to initiate the refund or give store credit after receiving my return claiming that the tag came off which is not true. I have also contacted Affirm several times explaining the issue but to no avail. 

My last payment was XX/XX/year> for {$32.00} and {$1.00} which is not up to XXXX days and my account was wrongly charged off.

Company response to consumer: Closed with explanation