BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Im in XXXX XXXX XXXX  I learned that my identity was stolen and someone opened two credit card accounts in my name with Bank of America : one for XXXX XXXX and the other for XXXX XXXX XXXX. I immediately reported this to the Fraud Department at BOA. The female agent assured me that she closed both accounts and noted they were opened fraudulently. Following this, I filed a fraud alert on all 3 credit reporting agencies. Today, I received a billing statement from BOA in connection with the XXXX XXXX card. The credit limit is {$19000.00} and the annual fee of {$75.00} was charged. Payment is due XX/XX/XXXX. I immediately called the Fraud Department at BOA to report that this fraudulent account was never closed as I requested in XXXX. It was never reported as fraud by BOA to the credit reporting agencies. This is the unacceptable. My case number with BOA is 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 2022-04-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The account was closed two years post-bankruptcy, without any communication to the customer. The closing comments on the account state that the account was closed due to bankruptcy, with a closing balance. However, the account is not listed on the bankruptcy articles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2023-09-22
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

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 2023-05-25
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
zero interest agreement with Synchrony bank through Mattress Firm purchase initiated in XX/XX/XXXX first payment of {$85.00} began in XXXX. 
XXXX payment was 2 days late. Late fee charged {$30.00}. The minimum payment, due XX/XX/XXXX which is unknown until the statement closes at the end of the month, went from {$85.00} to {$110.00} without my knowledge. Made two payments in XXXX of {$100.00} and {$110.00} assuming that would take care of these fees. In XXXX, {$15.00} of the late fee was separately charged as 'late ', another {$41.00} late fee was levied and a minimum interest charge of {$2.00} was added to the balance. Minimum payment increased to XXXX on XXXX closing statement, and they started charging interest of {$2.00} and the {$15.00} late fee carried over SEPARATELY as still late. Called them about this, and they told me I had to pay the {$15.00} late fee separately to stop this from happening. I paid it immediately by phone with them. Then I asked them to remove the late fee of {$41.00} and stop the interest charges, which they did. I also asked what the new minimum payment would be after all of this, and they could not tell me. I have to wait for the statement for XXXX, which closes at the end of XXXX AFTER the payment is due. I have no idea how to get this under control and what my payment will be for XXXX. This is unfair and deceptive practice by Synchrony bank. 
To summarize, they took my extra payment of {$110.00} and paid XXXX of the {$30.00} late fee. Then they called the remaining late fee balance of {$15.00} overdue and charged another late fee the following month, and began charging interest on the 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 monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS INQUIRY IS NOT MINE AND THIS ACCOUNTS ISNT MINE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 : XXXX XXXX Balance : {$760.00}, XXXX XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX, XXXX, XXXX XXXX XX/XX/1986

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 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize XXXX  so can this inquiry be deleted. Im trying to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I recently learned it was inaccurate installment loan on my credit report with late payments so I reach out to XXXX XXXX Transunion they are still not verifying

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 2023-05-25
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have submitted this complaint before. It was not handled properly. Please help me getting my money back. 
In XXXX, I visited a business, paid via XXXX in PNC app. The business said the transaction did not go through and they showed me their phone. It showed on my end, it did go through. I called PNC right away to stop the transaction or freeze funds. The Rep told me to just dispute the transaction. I did so per her instruction. I got a letter saying the dispute was denied. I escalated. I got a call today, XX/XX/22, and the Rep said a bunch of meaningless words, XXXX XXXX, and nothing was changed. I don't know what their investigation consisted of. Also, a bot, at the end of the online chat asked me if I wanted a chat transcript, I supplied my email, never received it. XXXX!! Pitiful business practices! They don't care about their customers!! I see they have poor reviews from other customers too. 

XXXX XXXX XXXX ) XXXX My checks are under XXXX XXXX at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XX/XX/XXXX account XX/XX/XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In early XXXX to current, I sent individual FCRA Section XXXX letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT Account on all the Credit report to TRANSUNION. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Account as well as inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX TRANSUNION. Below are the detailed Unauthorized FRAUDULENT Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XXXX to Current days date. 
Unauthorized FRAUDULENT Account 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 Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. 
TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
Transunion Credit reporting Agency has not fixed the problem since my early complaint to them in XXXX of XX/XX/2020 and also earlier this year. 

For the past several years, I have improved my credit with my various creditors. Paid on time, never charged on my credit accounts for the past several months, never applied for new cards, never asked any agency to pull my credit report in the past year, etc. But despite these efforts, the 3 Credit Reporting agencies ( TransUnion, XXXX, and XXXX ) have continuously tainted my credit report. This has been a disappointing and disgusting experience. 

To show you as a proof or an example, I am sending an attachment file showing TransUnion report to my XXXX  account with XXXX XXXX XXXX for the following periods : prior to XX/XX/2020, my score was XXXX on XX/XX/2020, my score went up by 2 points at XXXX by XX/XX/2020, my score was back to XXXX again by XX/XX/2020, my score went down by 22 points at XXXX. 

This is ridiculous because I am not doing anything in my credit accounts for several years now, and in more recent 6 months I have never made charges on my credit cards and instead just continuously paid my monthly dues on time and never been late in my payments. So, why the heck will my score go down by 22 points in a matter of 7 days. This is a XXXX Credit Bureau Reporting agency. All they do is provide false information despite despite huge efforts to improve your credit.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: NY
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 Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) 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 inaccurat.

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 2022-04-01
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:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2019-02-08
Company: Experian Information Solutions Inc.
State: FL
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 just checked my credit report and I have Inquires I do not recognize on my Experian report. if possible, I would like them all removed. alot of them were unauthorized. if you can solve this issue it would be Great. Thanks

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 2021-06-25
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Two transactions were made on my paypal acct. I did not make or approve the transactions. I notified paypal and they say as far as they are concerned they were valid transactions and refused to issue a refund. Info is below. 

Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that the reported transactions were not unauthorized and hence couldn't be covered under PayPal XXXX XXXX. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXXsuccess online solutionsPayment - {$59.00} XX/XX/XXXXsuccess online solutionsPayment - {$180.00} XX/XX/XXXX XXXXXXXX XXXX  Page 1 of 2 Board : Mortgage Brokers , Businesses & Lenders Complainant Information First : XXXX XXXX : XXXX Last : XXXX Address : XXXX XXXX XXXX City :  XXXX XXXX : Florida Zip ( XXXX or XXXX ) : XXXX Home : ( XXXX ) XXXX Work : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Email : XXXX Education Level ( Highest Degree Received ) : XXXX XXXX Subject of Complaint Complaint is against : Company/Organization Company Name : Paypal Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX State : California Zip ( XXXX or XXXX ) : XXXX County : XXXX XXXX Complaint Details Are you filing this complaint on behalf of someone else? 
No Summary of Complaint : Someone used my paypal acct to make a purchase without my authorization. I notified paypal of this and they refuse to return my funds, saying that it was a legal transaction as far as they were concerned. Two transactions totaling {$240.00} Was this a joint account? If yes, please give name and relationship of other party. 
No Enter dollar ( $ ) amount in dispute ( if applicable ) : {$240.00} Date of Transaction :XX/XX/2020 ( mm/dd/yyyy ) XX/XX/XXXX XXXX XXXX Page 2 of 2 Have you contacted or hired an attorney to look into this complaint for you? 
No Was the product/service advertised? No How/Where/When? Success online solutions thru paypal. 
Have you submitted a complaint to another regulator? If yes, to whom? 
No Did you receive a response to your complaint? 
No If yes, have you received a response from the company that you have entered a complaint against? 
No

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had enough funds in my account to XXXX and to pay for another item and then apparently the bank removed the debit and allowed funds to be available and charged my card for the same things again when the funds were not available instead of returning the items or declining the charge and charged my account XXXX dollars in overdraft fees. I was told this would not happen unless these were reoccurring fees on my account which they are not. Once a charge is made on a debit card it should be paid and the funds should be removed from your account. They are playing games with funds to charge nsf fees.

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 2020-08-22
Company: Peoples Financial Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The creditor ( Peoples Financial of XXXX ) is reporting inaccurate information to XXXX  by stating the account has moved from bankruptcy to N/A. This is illegal

Company response to consumer: Closed with explanation