BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Experian Information Solutions Inc.
State: MO
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 am filing this complaint against  XXXX  I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my 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 non-monetary relief
Consumer complaint received 2021-12-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for Care Credit because my XXXX XXXX XXXX dog, XXXX had XXXX, and needed veterinary care. I called Care Credit from the vet 's office that day, and was approved for {$3000.00} immediately. I have been making auto-payments, and the total amount of my account is currently XXXX. Today, I noticed that my credit limit had been lowered to {$2200.00}, which then flagged the credit reporting agency, causing my credit score to drop by XXXX points as being over-limit on my Care Credit account. 

I just called Care Credit, spoke to XXXX, on XX/XX/2021, and she says this happened back inXX/XX/XXXX, and I was sent a letter stating that after reviewing my most recent credit scores, they decided to lower that amount. They say they sent me a letter, but I never received any notice, or letter letting me know this would happen. 

This seems a very dishonest business practice by Care Credit to approve me for {$3000.00}, then let months pass, then lower the credit limit to an amount LOWER THAN THE BALANCE! This would most certainly cause serious credit harm, which it has. 

I asked her to raise the credit limit back to what it was, and it was declined, probably because my credit score went from the XXXX 's to XXXX or so. This seems a deceptive and dishonest practice, and am hoping that someone can help me with this issue. 

Thank you, 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 2023-06-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
If there is any name in your system that does not match the first and last names listed on this letter, it is imperative that you remove it. My only name is XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Please make sure you remove any address in your system which does not match the address listed on this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America - XXXX, Fl On XX/XX/2021 I deposited {$8500.00} into the ATM machine ( see attached. ) I counted it out in front of the ATM camera. I had a total of XXXX  {$100.00} bills. I was paid cash from a family in which I directed a lengthy intervention on several struggling family members. I practice XXXX and this is something that I do on a regular basis. The fact that I was paid in cash is quite common if you would take the time to look through my account, you can see multiple cash deposits. 

In the middle of the deposit, the machine stopped working and I was given a message to report the issue to a one 800 number, which I did. I was given a temporary credit from Bank of America for the {$8500.00} pending the results of an investigation. On XX/XX/XXXX, the investigation outcome found that the ATM machine was short {$1900.00} and the initial credit was reversed causing the money to be deducted from my personal bank account. Since I never deposited anything except {$100.00} bills, it is more than obvious that I did not receive the investigation I deserved. 

I have asked for all the documents that they used to make this decision on multiple occasions and I have been told there were no official documents to share that it was a decision made by an " internal fraud department. '' BOA has not been willing to release any information about the investigation and have admitted to not reviewing any footage from the ATM machine. BOA has stated I have no recourse and are unable to reopen the investigation, so basically I just have to accept the decision. I have since filed a police report. I worked with a very good detective for a couple months and she was unable to get anywhere with the case. This was her final response, " Unfortunately this case has been reviewed by myself and my supervisor and its been determined that no crime has been committed by an actual person. We can't press charges against an entire company. I know you spoke before about suing Bank of America and I definitely think that is your best option and a very good one. This entire situation is extremely unfortunate especially with you being a long term customer of theirs. I wish there was more I could do for you. I am so sorry this happened. '' It is absolutely unacceptable that the ATM machines that they use belong to a third-party. I have always assumed the ATM machines belong to Bank of America. What's more disappointing, is that they have been unwilling to advocate for me hey single mom and small business owner, to ensure that my money is protected. 

You are my last hope. At this point Bank of America has completely close the issue and refuses to discuss it with me. Thank you for creating this platform that allows me to be heard.

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 2023-09-13
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a credit card in the mail from sportsman 's Warehouse or sportsman 's credit which on the credit report says comenity capital the second I opened it up and saw what it was I did not call anybody I immediately went in my house got some scissors and cut it up into little pieces I remember perfectly and I've had a lot of losses lately and I've needed house loan vehicle loans personal loans credit card something to help me and my family out and I've got denied over a hundred times from a hundred different places and never knew really why until recently I looked at my credit report because it's not on XXXX it was on XXXX that day illegally against my will activated it without me agreeing to whatsoever and since I had a account that I never used with them they continued putting that I have paid on time etc every month except the last 6 months they put XXXX and I have never paid them XXXXXXXX XXXX because I've never used XXXXXXXX XXXX because I cut the card up in pieces which I have photos of the credit report where it says that they have been putting on there that I paid a bunch of times that standings are good but didn't pay for the past 6 months etc so that illegally put it on my credit and now for the past year I've been denied Time after Time which since I couldn't get the money I needed or the extra finances have lost my truck putting my entire family with no vehicle and now I'm riding a bicycle to pick groceries up because I can't get a loan or credit card to purchase a vehicle which took my {$20.00} an hour job because I Didn't have a vehicle to get to work which took my apartment from me putting me at XXXX XXXX XXXX living with my mom who was recently widowed my XXXX daughters and my girlfriend / babies mama and now I'm stuck here with no income for my kids I'm losing my family all because of a company filing a report after I cut up the card and did not accept their credit I did all the right things I needed at the time a credit card to buy food etc not sportsman 's memorabilia and or items and now I'm to suffer a massive blow ending a family destroying lives over nothing I did my own and even when this finally get settled and it gets put off my report I still won't have a truck or a vehicle I still won't have my family intact I still won't have my apartment did is going to go on my credit report for losing when it wasn't my fault I still won't have my good-paying job that I loved I want to press charges and open a lawsuit get reimbursed for the loss I've endured from this company for destroying a life and the lives around me for clicking activate when I never activated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I found out in a credit report someone opene d a CBNA  credit card under my name and social security, and using it. It was opened back in  2012,  and since then accumulated amount of {$5700.00}.   I have not received any statements, balances, calls or warnings form anywhere, so it must be that somebody is involved in identity theft.   I have not heard of the existence of this card or debt until I applied for mortgage, and the mortgage agent notified me about this suspicious card and activity.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 162XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On or about XXXX of XXXX, I contacted XXXX XXXX XXXX and asked them if they offer services to my home air conditioning/heating system and they said 'yes '. Specifically, I asked them if they would pay for freon for my air conditioning system if it needed it. They said 'yes '. So I started paying them {$75.00} a month for the next 6 months. On or about XXXX, XXXX, I called XXXX XXXX XXXX again and requested a free home inspection which is one of their offers for opening the account. At that time, I again asked them if they cover the freon if it became necessary, only this time they said 'no '. At that point, I asked them to immediately close the account and asked for a full refund of the monthly payments to date. They refused, and then I was hung up on. I subsequently disputed the charges with Capital One Bank, the issuer of the credit card that I had used for these monthly transactions, to protect my rights and receive the refunds. At first Capital One issued the refunds, however the next month, they recharged my account of the charges. I feel that I have been defrauded with incorrect information from XXXX XXXX XXXX and now Capital One is not protecting my rights. What's more, to date I have not received ANY services from XXXX, despite my monthly payments to them. So they expect me to pay for services that I never received along with accepting their fraudulent information. I am asking the Consumer Finance Bureau to protect my rights and secure the refunds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: McCarthy, Burgess & Wolff, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I terminated my XXXX XXXX, cause of faulty issues in there equipment. When I terminated my account. I was told I would not be charged or any payment would be needed. I was told multiple times. The people their said as long as I return the equipment that was theirs. No charges would be pressed, I have retuned there properly. 
I dont know why Im being charged or something I wasnt supposed to be charged and didnt know

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CITIBANK, N.A.
State: VA
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 reached out to XXXX 's on 2 occasions asking them to send me a copy of my signature of agreement with their company or any viable evidence. XXXX 's response to me asking my to send them the information and a full account number of the item that the credit bureau is reporting as they have no knowledge of the reporting, so being that I had disputed the 3 major credit reporting bureau on numerous time and it been a sea saw they deleted the account verified the account back & forward so I requested the method of verification from the credit company XXXX   & XXXX replied that they only send the disputes to the company. Now after going back and forward with XXXX 's they have sent me a generated bill with my name and account number but never sent a copy of a signed agreement or any viable evidence. 

PS : I'm including letter of communication

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 2021-12-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Victorias Secret close my account due to lack of use for one month all payments were made no calls or letters were sent to me advising that the account will be closed due to lack of use went to the store to use my card and was advised that the credit account had been close I reached out to Victorias Secret to speak to someone about reopening account it was advised that I will have to reapply for a credit card which would cause another hard inquiry on my credit this was unfair and a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I attempted to purchase an airline ticket using my Paypal account on XX/XX/XXXX. I didn't have the proper funds when Paypal attempted to withdraw money from my bank. I called my bank ( XXXX ) once I discovered the problem to cancel the payment to Paypal which they have done successfully. Paypal is still holding me accountable for the funds and I have a negative balance according to them. I have attempted to contact XXXX XXXX  via phone as well through email and haven't talked to a single person due to long wait times. I do not have a reference number or booking number with XXXX XXXX, never received confirmation that I have a ticket through them. I am still waiting to hear from XXXX XXXX  regarding reference number/booking with my most recent email on XX/XX/XXXX. In the meantime, paypal is still requiring me to pay the negative balance. I have asked my bank for assistance and they have informed me I have done everything right from their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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:
In XX/XX/ my car was flooded in a freak storm. A claim was filed and the car was totaled and paid out under coverage. Only now am I learning that my auto insurance company USAA inaccurately reported the event as " collision. Although I am trying to correct this, I have encountered resistance from XXXX XXXX to access my report. 

WHY DOES XXXX XXXX HOLD SO MUCH POWER OVER OUR LIVES? 
WHY ARE THEY ALLOWED TO POST FALSE INFROMATION THAT DIRECTLY IMPACTS MY RATES AND COVERAGE? 
WHY ARE WE AS CITIZENS NOT INFORMED OF THIS IFNROMATION AS WE ARE WITH CREDIT AGENCY REPORTING?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$56.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.

Company response to consumer: Closed with non-monetary relief