BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a customer of TDBank credit card and on XX/XX/XXXX or XXXX called them regarding the deferred Covid-19 payment option which was advertised on their website. I was found to qualify for the program and they allegedly informed me the next month I would not have to make any payments, only in the beginning week of XXXX which covered their 90day period. I was informed that on the day and month that I called, XXXX that I needed to pay whatever balance due on my account which I did. The issue is that the following month after I was allegedly enrolled in the deferred payment option, a balance due of XXXX dollars was shown in my online statement. I called them and they stated I do not need to pay it, and according to the TD representative at the time that it was probably a computer glitch as the amount should have been XXXX I actually paid that balance due of XXXX despite their assurance and my fear was that they could report me to the credit bureau if the payment didn't post. The next month was the same issue, and I called again to inquire about why do I have a payment due when they enrolled me in the deferred payment option and the TD representative reply was the same as the other one from a month prior which is to disregard and don't pay it. The following month which is this one, XXXX came and I saw another due date for XX/XX/XXXX for XXXX dollars and I called them concerned that I have been taken advantage of and told them what is going on, wasn't I enrolled in this program or not. Her reply which was on XX/XX/XXXX was that I now needed to pay the XX/XX/XXXX balance as the deferred payment option only covered until XXXX. I was irate and respectfully mentioned to her that it ends in XXXX not XXXX. The phone connection either on her end or mine was suddenly disconnected and I called again and this other TD Bank representative said no that the deferred payment option for me ends in XXXX. Not only this is confusing, either deliberately on their part but the issue at hand is that I ended up paying them for those 3 months and the balance on each month was always XXXX and despite their assurances there was no XXXX balance due but an amount which I had to pay or they could of reported me to s credit bureau. This deceptive advertising on their website to help those during this pandemic has made me question their tactics and what they have done is deceive those into paying them instead of having a supervisor or someone send an official letter stating this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: Westlake Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2020-06-16
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been recently been going over my credit report and finding things that do not belong to me. I just recently started checking my reports because my info was compromised in the XXXX  data breach. Every time I have sent out for this company to send me proof this is my account by sending me any contracts or agreements they have bearing my signature they send me an old bill from the original creditor stating this is there proof to validate my account being mine. I haven't gotten anywhere with XX/XX/XXXXhaving them get me the proof validating the account to be mine, XX/XX/XXXXcontiues to say the account is mine. If there getting the same " validation paperwork '' to prove the account is mine then they are reporting bad and wrong information about me on my credit report. I started sending out the disputes to this company since XX/XX/XXXX I would like you to see into this for me, I want to see a contract bearing my signature or delete it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I thinks someone made a fake capital one account with my personal information on it. The credit report is saying Im an authorized user, but Ive never signed up for capital one or have I ever owned a major credit card. Its hurting my credit score. And I cant resolve it because I dont know the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has 1000s of these XXXX complaints That clearly defy the fair credit lending 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 2022-07-22
Company: Experian Information Solutions Inc.
State: NC
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 was surprised when I saw my Credit File reporting accounts t hat I never knew or heard of. Upon further inspection, I realized that these accounts are fraudulent information reporting on my Credit report. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-11-30
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:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: AZ
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  Account # XXXX {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

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 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 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Unauthorized credit Inquiries listed on XXXX. 
XXXX  refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX  data hack My information was compromised Someone is using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
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:
XX/XX/XXXX Wells Fargo called to say there was a suspicious charge on a business account. The charge was not mine. They replaced the card. 
XX/XX/XXXX I received an email stating suspicious transaction on my account. I called the number in the email and was phished for info that resulted in an online wire transfer for XXXX, a combination of XXXX from WF credit card and XXXX from a checking account. 

Wells Fargo denied the fraud claim no reasons given. While on the phone reporting the fraud the representative explained to me how this happened and requested the email I received. I sent the email to the address she gave me. At the time it seemed like WF knew this was fraud and were there to help but the letter sent denied the claim and said there was no fraud found. I have several first names from WF fraud dept but no last names as they will not give them. Ironically I have the first and last name of the person who I thought was WF but was actually the person committing the fraud. 

I am out XXXX and I do not have the money to pay it back and XXXX was mime for my mortgage payment. 

I have claim numbers and account numbers. The Credit Card has been terminated and a new card has been issued and the XXXX has been transferred to the new card by Wells Fargo.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX payment, paid in full. Im only 18 days past due for XXXX payment. Please correct payment status for XXXX XXXX XXXX XXXX XXXX loan.

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 2022-11-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 2023-12-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account belong to entity appears on personal credit in error and without my consent and must be removed.

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 2020-02-09
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX XXXX located in XXXX, South Carolina. I paid the debt directly with the hospital. However, a company called Receivable Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, XXXX tried to open up an account - illegally and without my knowledge or permission to collect an otherwise paid debt. I receive notice from XXXX of this attempt. My credit had been frozen per my request since last year so that NO one but me can open up a credit account. How were they able to do this? I reached out to XXXX stating this was unauthorized and they will fight this on my behalf. How can a debt collector - not having a debt with me be able to open up an account without my consent? Harassment I understand but this is next level WRONG. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on 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 2020-06-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a letter from Synchrony Bank, dated XX/XX/XXXX regarding my DISCOUNT TIRE/SYNCHRONY CAR CARE account ending in XXXX. Basically it stated After a review of your account, Synchrony Bank has decided to close your account. Their decision was based in part on a credit scoring system that was used to PREDICT MY CREDITWORTHINESS. It states the reasons also indicate the CREDIT CHARACTERISTICS that I dont score well. *Lack of Real Estate Secured Loan information * Too many Revolving Accounts with high balance compared to credit limit * Too many Bankcards with high balance compared to credit limit * Too many Recent Delinquencies. That account was opened in XX/XX/XXXX, the payment status was CURRENT and the last payment made was on XX/XX/XXXX for {$47.00}. Im not sure WHY or WHAT the reason for closing that account when it wasnt delinquent, over the balance or late in payments. To close the account because I dont have Real Estate, or high balances or any other excuses given was very discriminatory. When I called the company on XX/XX/XXXX to get a better understanding of their reasons for closing the account, a customer service representative said it was a decision from XXXX, and I would need to contact them. I have On Time payments with my credit card accounts, with the exception of 1 closed DISPUTED account, and for SYNCHRONY BANK to label me as Too Many Delinquency .. PROVE THAT TO ME, CHECK MY PAYMENT HISTORY and NO, I DONT OWN ANY REAL ESTATE but does that disqualify me from having credit cards? DISCOUNT TIRE/SYNCHRONY BANK seems to think so.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: OK
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:
My credit report has several discrepancies and inaccuracies. The Fair Credit Reporting Act states that your consumer report is supposed to be fair and equitable to you as the consumer. These inaccurate and incomplete accounts are effecting my credit worthiness and my ability to prove in my everyday essential needs. Please read the follow letter attached for accounts to be disputed.

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