BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX balance {$5700.00} XXXX XXXX XXXX XXXX balance {$64000.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX  Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on 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 explanation
Consumer complaint received 2023-09-10
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit 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:
I have been trying to resolve fraudulent charges on my Paypal account since the beginning of this year. I filed a police report for {$7500.00}. I am enclosing a copy. 
There was a credit on my account for XXXX and XX/XX/2023. ( balance XXXX ) In XXXX the credit was reversed showing a balance of {$6300.00} due. This has continued although I have spoken with them to tell them the charges are fraudulent. None of the charge locations which I have bought anything from. 
The current balance with interest charges and late fees is now {$12000.00}. Copy enclosed. 
Credit was refused because I have a Paypal card mailed to my house. 
I am a retired XXXX XXXX XXXX and do not have the money or should I have to pay the money for things I did not charge. 
Please help me get a credit in any way possible. 
Thank you. 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 2023-03-16
Company: EQUIFAX, INC.
State: LA
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:
Fraudulent Accounts Appearing On My Credit Report. 

1. Us Dept Of ED/XXXX {$15000.00} 2. Us Dept Of EdXXXX {$36000.00} XXXX. XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans are serviced by FedLoan Servicing. I noticed that direct subsidized loans from my XXXX education were listed as in " forbearance '' and contacted the company to correct this information. The company shows interest accruing on these subsidized loans even though I have been enrolled in school full-time. When I contacted the company in XXXX XXXX via an online form I was emailed and told to wait for my school to submit new enrollment records. In XXXX XXXX I contacted the company via phone and the online form because the loans continued to show up as in forbearance status. I was emailed and told, because I graduated, my loans accrued interest during the grace period. I am in a XXXX program and receiving a XXXX XXXX is a milestone in the program but I am continuously enrolled full-time in school. These loans are subsidized and should not accrue interest while I maintain full-time enrollment. I do not know how to get this company to respond appropriately to my requests as federal law seems quite clear on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian said " they need authorization to proceed with my compliant ''. So I XXXX XXXX give permission to Experian and authorization to Experian to continue with my complaint of 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 2018-03-06
Company: U.S. BANCORP
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I received a copy of my credit report from my Credit Union ( pages 1-2 enclosed ) after I was denied credit from XXXX XXXX XXXX   because of a false and erroneous citation by US Bank to a Credit Agency. That same month I contacted US Bank to open an investigation to correct the  erroneous citation, which was settled with the creditor in XXXX! 

My credit report shows an open unsettled past due balance with US Bank of {$6700.00}, but that is in error. Please see the enclosed settlement letter. 

Not only has my credit history been injured, but US Bank has continued to be very dismissive in trying to correct the problem. I have had no response from them since XX/XX/XXXX, after making several more calls as recent as XX/XX/XXXX, for which they only acknowledged that they see that a file was opened ; but absolutely no progress has been made. 

I have suffered substantive punitive damages and I think it only right to be financially remunerated for this damage in addition to have my credit record back dated and corrected. I believe that this infraction needs to be recorded against US Bank as due retribution. I am currently in the process of trying to purchase a dry cleaning franchise but I am impeded by US Banks continuous apathy and sloppy practices. 

I am very angry about these big banks receiving all these bailouts and then US Bank XXXX XXXX CEO XXXX XXXX resigns in a scandal. It seems like the system is rigged!

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 2022-12-23
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This notice hereby demands : CREDIT CORP SOLUTIONS INC to cease and desist from attempting to collect on any alleged debt from me, a federally protected consumer. You are also hereby notified to cease and desist all communication and harassments.

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with CREDIT CORP SOLUTIONS INC . This company is in violation of federal law. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a letter in the mail from CREDIT CORP SOLUTIONS INC showing a " Total amount of debt now '' as : {$4.00}, XXXX. I am asking CREDIT CORP SOLUTIONS INC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like CREDIT CORP SOLUTIONS INC to show they are registered/licensed in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. CREDIT CORP SOLUTIONS INC 's written communication to me also contained threatening and abusive language stating : " You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations ''. This is in direct violation of the FDCPA. CREDIT CORP SOLUTIONS INC has also furnished a misleading and deceptive form using the verbiage : " we are trying to collect a debt that you owe '. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error 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 non-monetary relief
Consumer complaint received 2019-12-11
Company: STATE FARM BANK, FSB
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a 2 pieces of mail sent to my home address dated XX/XX/19 from State Farm Bank with whom I have never done business with and do not intend to. Mail received said I had opened and deposited {$2500.00} into a checking account with State Farm Bank which was not authorized by me.Unauthorized checks were printed and delivered for this account. I had not had any contact with this bank. I do not have any other accounts with this bank. I do not have a signature card with this bank. 

Received letter dated XX/XX/19 from State Farm Bank stating that address on the account has changed. New address is for another family member. Asked family member about this and family member is stating the bank made a mistake. 

Contacted State Farm Bank on XX/XX/19 by phone using the number listed on mail received. Bank representative stated that the checking account is in the name of the family member that the address was changed to. I asked how this account was put in my name and was placed on hold. Bank representative was not coming back to talk to me so I ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: JPMORGAN CHASE & CO.
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:
Made a hotel reservation using a different card in XXXX. Emailed the hotel to confirm reservation. Received reply that everything was ok and confirmed. Arrived at the hotel and the receptionist told me my reservation was not valid and I had to pay a new reservation for XXXX euros. I showed them the confirmed reservation and the printed email answer including the name of the person that replied. They stated they didn't care, and that I had to pay for reservation. I used the Chase Sapphire card and signed in the line : WILL DISPUTE. At the checkout they even tried to collect XXXX euros for taxes, until I started calling the police and they finally stated oh no, there are no taxes to be paid, you're good to go. Clearly this hotel is trying to scam customers. After arriving at the US I filed a dispute with Chase. Showed them proof of payment, email with the hotel, and statement showing the confirmed hotel purchased. After several calls from Chase Specialist XXXX, she stated Chase could not even resolve my dispute because the quantities did not match. I explained the original reservation was done in XX/XX/XXXX, and was paid in euros. The transaction came to be {$140.00} USD at the change that day. On XX/XX/XXXX when I was scammed on my Chase card, I was charged XXXX euros, which came to {$140.00} USD. She stated that because the amounts did not match, she could not resolve my dispute. I explained currency conversion and she did not care. As a result I've downgraded my Chase Sapphire Reserve to a Preffered, and will be closing my account in a week when the balance is paid. After a long term relationship with Chase, I honestly did not expect this level of stress or bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection agency, after I have already contacted them, have called my parents for over a week nearly every day besides the weekend. This is illegal and needs to stop. I do not live with my parents, they did not co-sign the debt that is being collected, and they have no reason to be contacted. My XXXX is a CEO of a very large company and they continuously call him getting in the way of his meetings. I have sent a do not contact order by mail and have a lawyer since the laws were pushed by this company and have been a nuisance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: SD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
This week I received a letter from Bank of America dated XX/XX/XXXX. It said my account was closed because it was inactive. However in the past it has been inactive for a year or maybe longer and stayed open. It mentioned something about my student loans which were paid in full last summer. Since then I owe nothing. After my student loans were paid off I called back a month later to verify the XXXX balance with the Dept. of Education and they said yes they're officially paid off and I also received a letter in the mail verifying paid in full which I can bring into a BOA branch if needed. The week of XX/XX/XXXX I spoke with a gentleman from Bank of America to update my contact information and he mentioned nothing negative about my account nor that it was about to be closed ( the letter from Bank of America was dated XX/XX/XXXX ). I always paid my BOA on time when I was using it. A long time ago it was reported as lost for months and BOA still didn't close it. That's why something's not right. 

Before I was terminated back in XX/XX/XXXX an employee told me that if they really hated someone, they would XXXX up their credit. If prior to having lived in XXXX I had gone long periods of time without using my Bank of America card without them closing it and just this week I received a letter saying it was closed, it doesn't make sense. I need someone, to help me reverse BOA closing my oldest line of credit which was helping my credit. The letter from BOA makes no sense because even after my student loans had issues, BOA still didn't close my account. Those student loans were paid in full last summer which the US Dept of Ed reported to each Bureau. An employee whom I worked with at XXXX XXXX in XXXX back in XXXX said that if they really hated someone, they would XXXX up their credit. Is it normal or ok for an employee to tell me this? Closing my oldest line of credit that had a XXXX balance was the last thing I needed to happen right now. This is ruining my chances of getting hired. I wouldn't be this worried if that employee hadn't told me that. Then have stuff like this happen and other things that happened when I worked in XXXX. If someone can help me, I'd appreciate it so much.

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
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:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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:
All actions were taken to dispute these accounts and inquiries that's listed on my consumer report all letters has been sent out and all creditors has been contacted for some of the accounts listed below. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$650.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX  {$220.00} XXXX  XXXX XXXX  {$930.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Truist Bank displays the entire bank account number on all bank statements including the business account that I am accountant for and my personal account that I closed and moved to another institution. I called Truist and reported the issue they have not responded or corrected the issue.

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