BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
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: Information belongs to someone else

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX  XXXX Balance Owed : {$6100.00} ; CXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Northeast Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
NorthEast Recovery Solutions LLC XXXX north XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX contacted me regarding a debt I owe. The message they left on a business phone contained most of my personal information. It also contained language about a pending complaint filed against me in my county. I called them back at the number they provided- they gave me more data, but would n't let me talk in any way. Then my husband called them back, she did n't verify any data, just proceeded to give him all of the information and then proceeded to insult my character on the line. She would not provide any data as to who her company was or their contact information. I called them again and asked for her supervisor, her supervisor said that she sits right next to this person and that she did everything right. That she would not review her call and that she, the supervisor, had no superior to speak to. 
They proceeded to dial over and over again to all of our numbers, from phone numbers that varied. When I called back to discuss the reference number they left me and to ask them for their company name and contact information - i was disconnected. 
I called back and was told that I need not call them again as they would file harassment charges against me for merely asking them to identify themselves. 
The woman proceeded to contact my husband, to tell him that I was threatening them and using foul language with them. Complete and total lie. 
I filed a complaint with my Attorney General who confirmed they are n't even licensed to collect in the state of Colorado. 
Not only would they not identify themselves, they gave away personal information without verification, they defamed my character, and then would n't deal with me on my own debt and threatened to file legal action against me for wanting to know who I was dealing with. When i asked them to only communicate with me via mail, they said that I did n't understand the law and that they could do whatever they wanted to collect the debt. Additionally, they do not let you speak. XXXX XXXX or XXXX and XXXX XXXX were horrific and impossible to deal with.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been with capital one for years. I have a interest rate. Capital one have not recently sent me any notification about my interest rate increasing. Since the fed has been increasing interest rates. Capital one has been passing higher interest on their customers outside the interest rate that has been assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I let banana republic/synchrony know that i had a fraudulent charge on my account. When i first spoke to them I thought it had been handled. When I saw ( 1 ) that i was still being charged for the fraudulent charge ( 2 ) i had received some sort of letter about verifying my account info with their fraud team ( 3 ) i was getting charged late fees and such, i reached back out, i believe in early XX/XX/2021. They told me that they needed to cancel my current card and open a new one, which was fine. They also told me that because i let them know that there had been a fraudulent charge, that i would not be responsible for that charge, any fees or interest. It appears that when they opened the new card, they did a balance transfer of the outstanding balance ( which includes the fraudulent charge amount, fees and interest ) and are saying that I owe this amount. In addition, I activated my new card and when trying to use it on their own website to make purchases from banana republic brands, it has displayed various errors and i have not been able to take advantage of the rewards program. 

I would like them to ensure that i am no longer responsible for the fraudulent charge or any interest or fees associated with the charge. I also would like them to make sure i can actually use my new card. I would also like them to ensure my credit bureau reporting is accurate and does not make it seem like i am late or have an outstanding balance.

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 2023-08-07
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-12-29
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
On XXXX XX/XX/27 My Checking account was compromised for XXXX different transacctions in North Carolina , I live in Tennessee , but somehow i'm being held responsible for my personal loss, i've reached out to Truist Bank for weeks and they said there was nothing that they could do because the case was closed. Please help me with this because My Bank have turned their back on me!

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 wrote a hand written letter to Transunion exactly a month ago regarding some hard inquiries that was reporting on my credit report that wasn't mine. I called yesterday to talk to someone about it, and I explained to them that I did not authorized any of the inquiries and that they should be deleted, by the way I talked to someone in the fraud department. I was told that the inquiries would be deleted within 24 hours and that they would send me an email and they would also be sending out a updated report of my credit. 24 hours passed so I called again just to make sure things were still in motion. I talked to a supervisor who I explained my problem too. He told me that what his employee told me was inaccurate and that my hard inquiries would not be deleted. I just don't understand because if someone told me something how can you just say otherwise. I also asked if the calls were recorded and also asked could he see that I spoke with someone yesterday and he said no. Now I don't have a recording of the call but thank god I took a screen shot of the time and date of the original call when the representative explained to me that my hard inquiries which I didn't authorize would be deleted within 24 hours.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-08-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 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 2022-11-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month there is an additional amount added to the purchases without an explanation. Usually over {$1000.00}. This month it is {$1300.00} plus. 
Last month I paid twice, close to {$3000.00} total. 
I wrote for an explanation and didnt receive an answer to my question. 
I pay the charge in full each month. I feel that they arent making any money on me with the interest charge so they are adding amounts to be paid. Usury, I feel. 
When asked to explain they told me that the card is an international master card, which I already know. They didnt address the question. They are double billing I feel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
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: Personal information incorrect

Complaint:
According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate reporting. My consumer report is showing numerous inaccurate addresses, numerous incorrect spelling of my name and the wrong names, social security numbers, inaccurate telephone numbers and the wrong employer.

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 2023-08-06
Company: Experian Information Solutions 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:
I have disputed the information with Experian in regards to an account in collections. as of XX/XX/23 XXXX XXXX XXXX purchased the debt from XXXX XXXX XXXX XXXXXXXX. on XXXXfor {$1400.00}. I have disputed online and through us mail that this account has never been mine and is a result of fraud and identity theft. The comments state it was disputed but it meets the requirement of the FCRA which if they did any investigation, is a lie. Again this account has never belonged to me. Id also like to report XXXX for my accounts in collection which i cant specify currently because I am unable to view my credit report due to the fraud alert I had placed on my account for the same reasoning. These accounts do not belong to me, also in regards to the hard inquires that were not authorized by myself need to be removed. The only hard inquiry that I authorized is for XXXX XXXX. Please remove the fraudulent collections accounts and the hard inquires ASAP. I am unable to get any financial assistance because of these, which I am in dire need of. Thank you for youre time.

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 2022-08-10
Company: EQUIFAX, INC.
State: IL
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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX 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 2023-03-03
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is my 3rd complaint against Truist Bank concerning junk fees. This one shows me getting an overdraft fee while my account is still positive ( see attachment. ) The fee came from an unauthorized hold on my card that was removed. I was explicitly told by a Truist representative that I will still be charged an overdraft fee even though the charge was removed from my account by the vendor. Truist is routinely stealing from their customer 's bank accounts via illegal junk fees and nothing is being done about it.

The Truist representative referred me to their fee policy ( see attachment ) which in no way states that customers must pay fees for fraudulent or unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently arrived at a settlement with TD Bank regarding reinstatement of my mortgage account. Throughout the duration of the legal proceedings, I was being charged with " late payments '' on my credit report as well as with a foreclosure mark as well. 

After the settlement, the foreclosure mark was removed but the late payments are still on my account. I was ready to begin paying my mortgage from the beginning of this entire ordeal at the mortgage rate in which we settled on eventually despite the legal proceedings. 

TD bank was solely responsible for not accepting my payments due to inefficiencies on their part and I do not believe that I deserve to be continuously penalized for something I could not control ( ability to make payments ). 

I respectfully demand that all late payments be stricken from my credit report immediately in order to prevent further financial hardship on the consumer. 

Please feel free to contact myself or my attorney if you require any information which you do not already have access to. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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: Account status incorrect

Complaint:
The XXXX XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2020-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

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 2023-12-28
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification on XXXX Credit Bureau of a collection account : Credit Management LP located in XXXX, TX regarding to a bill from XXXX XXXX XXXX of an address I've never lived nor known anyone else lived at. 

I'm reporting Identity theft/fraud. The account isn't mine and I've tried getting proof from the collection agency and they haven't provided. I've contacted XXXX XXXX XXXX Fraud Department and nobody has returned my calls.

I'm currently XXXX XXXX XXXX XXXX  at the moment and live out of state. I will be returning to the area next month to file a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief