BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: BBVA FINANCIAL CORPORATION
State: AL
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:
Typed in XXXX in search bar and clicked on XXXX. Purchased tickets for XXXX and never received tickets. Contacted credit card company BBVA several times and they tell me no fraud was found!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
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 am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I am a previous victim of identity theft and already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Collection Account : 1 ) XXXX   Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : 011 Months Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. 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 2021-05-26
Company: DISCOVER BANK
State: FL
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 XX/XX/XXXX I made an online purchase from " XXXX XXXX XXXX '' The next day I called to cancel the order, I was told it was too late to cancel that I could refuse delivery or return the item. The tree was never delivered to my home. I never received it. It could have been delivered to the wrong house or could have been stolen. The co. refused at first to provide credit. They filed a claim with XXXX, it was resolved in my favor and the co. provided me with a refund on XX/XX/2021 in the full amount of {$200.00}. Receipt attached. 
Discover still refuses to credit my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-06-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank closed my Care Credit credit card and notified me after it was closed. 

The reason they provided is because my credit score has changed and I was deemed as high risk. 

My Care Credit card has had a {$0.00} balance since XX/XX/XXXX when I paid off the card in full. 

My credit score was lower when I initially got the Care Credit card. Since getting my card my score has gone up and my debt has been paid down. 

They just approved me for a different credit card last month and provided me with a higher credit limit than the card that they closed. 

I hold another card with them that they did not close that currently has a balance. 

There have been multiple reports from customers of Synchrony reporting that they have had their cards closed without warning that currently have {$0.00} balance and haven't been used for quite sometime, with the reason given that it was due to their credit report. 

Closing someone's account without warning can damage a person 's credit score. The reason being provided does not hold appear to be accurate given the additional actions taken from the bank to decide on my credit worthiness. 

I called customer service to get further explanation but was told the only information they have is the same that's provided in the letter that was sent to 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 2022-11-03
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2019-01-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : EXPERIAN : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with Experian, XXXX  and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s ) with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.

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 2023-06-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-18
Company: EQUIFAX, INC.
State: NV
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:
There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 my credit card ending in XXXX, It is now the XXXX of XXXX. I filed a dispute with Bank of America over three weeks ago. I had ordered some items from a company called XXXX online and paid {$70.00}. I NEVER RECEIVED THESE ITEMS. I thought Bank of America would stand behind me on this but they have not. They are saying it could take months to investigate the problem. In the meantime, I had contacted XXXX and they did not help. I told BOA that. I am paying for something I have not received. 
I have called BOA more than once and they seem unwilling or unconcerned about resolving this issue. I feel I have to report this here to try to get some resolution. I can not believe that BOA is not helping in a timely manner when a customer pays for an item and does not get it.

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 2017-06-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
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 belongs to someone else

Complaint:
I 'm a victim of identity theft and you all keep giving someone premission to use my chexsystem info to open and inquiry about new accounts. I need to dispute everything on my chexsystem report because I have n't open or tried to open any accounts. I have a lot of inquires that I did n't authorize.

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 2018-12-13
Company: Experian Information Solutions Inc.
State: CA
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 DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT WITH EXPERIAN. I RECIEVED A RESPONSE BACK FROM EXPERIAN STATING THAT THEY VERIFIED THE LISTING AS BEING MINE. I CONTACTED THE BANKRUPTCY COURT CLERK, AND WAS TOLD THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. SEE ATTACHED LETTER .EXPERIAN PROVIDED NO PROOF OF VERIFICATION .NOT A NAME OF THE PERSON WHO VERIFIED THE INFORMATION WAS PROVIDED.NO DATE, NO TIME.EXPERIAN JUST  LISTED THE ADDRESS OF THE BANKRUPTCY COURT.EXPERIAN IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE LISTING IN QUESTION IS BANKRUPTCY ( NO.XXXX ) AND SHOULD BE IMMEDIATELY DELETED FROM MY CREDIT FILE.

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 2022-11-03
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2021-05-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received in the mail a starter check package from TD Bank in XXXX XXXX XXXX. I have never done business with TD bank. The checks had my name proper address and other information on them. I immediately called TD Bank the following morning and was told that my information of course does not align with the person who is committing the fraud so they can not give me any information on the checks or the account. According to them there is potentially money being deposited monthly as a direct deposit and payments being made out of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: MA
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 am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Experian to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that Experian verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. 


Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX require Experian to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX SIMP Date Opened : XX/XX/XXXX Balance : {$0.00} The following account is not mine, and I request Experian to remove it from my credit report. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} The following account is not mine, and I request Experian to remove it from my credit report. 


Account Name : XXXX FIN Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request Experian to correct this inaccurate information on my credit report. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request Experian to correct this inaccurate information on my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled this already, out of court, back in 2019. The apartment agreed to take XXXX rent and let me out of the lease. It appeared on my credit a couple years later and I disputed it off. Now, its back again.

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 2020-04-07
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:
LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED XXXX  VIOLATIONS ATTACHED

Company response to consumer: Closed with explanation