BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$6400.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$3900.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$970.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$7400.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1100.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$570.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: MD
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an email from Comenity Bank ( XXXX ) that my payment was coming due. This card was paid off on XX/XX/XXXX and I was told the account was closed. There were {$250.00} worth of charges made on the card on XX/XX/XXXX in stores in Michigan. I have not been to Michigan and have not given anyone permission to use the card ( because the account was supposed to be closed ). I am trying to resolve this matter with the company at the present time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
I utilized a convenience check to transfer {$5600.00} on XX/XX/19. The Bank has been sending me convenience check offers repeatedly as part of the monthly statement as well as separate direct mail pieces. In the offer, it states that you would get a 0 % interest for a one year period but will pay a 3 % balance transfer fee. I understood that and accepted the cost. However, since the transfer took place, the Bank has been assessing interest charges despite this 0 % offer and the fact that I've continued to pay off all purchases made during each statement month to avoid interest charges. The interest being charged on purchases was 11.74 % in the most recent statement. The Bank did not properly disclose that they would charge interest on current purchases if you use their convenience checks. This is deceptive advertising.

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 2021-09-28
Company: WELLS FARGO & COMPANY
State: CT
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 want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity ThefXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft WF BANK NA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Upon checking my credit report, I notice an account from Bank of America that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Bank of America is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-02-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Decreased my credit from {$2500.00} to {$100.00}. Ive never been late. Used the card responsibly. Card balance was paid in full. This has also dropped my credit score tremendously. I am current with all my credit card payments and debts. Ive recently been using my other cards to help others who are in need during this pandemic and I dont want to be punished for this. 

Ive never requested a deferment, or had a problem paying my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Transunion on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me with to give to Transunion. Again I called Transunion to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done 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 2017-12-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For over a year now, I have not been able to obtain a copy of my Equifax credit report. I 've tried ordering it through XXXX but always end up getting an error message saying that my report can not be processed online. I 've tried ordering it directly through the Equifax website but continue to have problems actually getting my credit report. Most recently, on XX/XX/2017, I ordered a copy of my free annual credit report directly through the Equifax website. I received a confirmation email confirming my order and was provided report # XXXX for my report order. The email states that I can access the report online for 30 days. However, the status for the report says " failed '' and when I log onto their website to access my report, there are no reports available on my online account to view. I had received a letter from Equifax last month asking me to provide them with proof of my identity and current mailing address. I provided them with all of the requested information, but never heard anything back from them since. I have n't had any problems obtaining my credit reports from XXXX or XXXX, it 's only Equifax that I continue having problems with on getting a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX  and the XXXX  XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: SUNTRUST BANKS, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Suntrust account is now closed and I need copies of statements from the month of XX/XX/2018 until time of closure, I do not have access to my online account as again, it is closed. I require these statements in a PDF file format in order to attach to a separate complaint against XXXX XXXX. XXXX XXXX stopped payment on a close out check in XXXX of 2018, which was deposited to my Suntrust account. A subsequent replacement check was sent and intercepted by a third party, cashed in my name without my conest or knowledge. The funds were stolen, XXXX XXXX refuses to reissue check for funds owed to me. These statements are required to show the intercepted check was not deposited into my account and is in fact overdrawn due to stop payment mentioned prior.

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 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2020-07-15
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
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 requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took out a 24 month promotional offer with XXXX COMENITY BANK card. The terms stipulated no interest for 24 months if balance paid in full. My last payment ( as per the payment page on their website ) was due on XX/XX/2020 or XXXX . I paid the XXXX $ on the due date of XX/XX/XXXX and the statement balance was then at XXXX . This month I received notification that my account balance was now XXXX . Apparently, the promotional period was due on XX/XX/XXXX and not XX/XX/XXXX ( which was the ONLY listed payment due date on their website ). The account statement does say " DUE on the XXXX to avoid finance fees ), however, I am enrolled in paperless and was following the information posted on their website and not the actual statement. They are very misleading with their information because nowhere in their website payment page does it explicitly tell you to make a payment by the XXXX. I called and they said they can not do anything. So I now have to pay back XXXX $ because the interest is 29 %. The only thing they could do for me was to lower the interest to 10 % for 12 months. They are scamming customers by not providing the information on the PAYMENT Page!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: CT
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 disputed my credit report with experian. I realized that I was a victim of identity theft and disputed accounts listed that were not authorized by me to them. Experian has refused to remove a fraudulent account that was listed on my report after sending verifying information showing that the account did not belong to me. I tried again disputing this fraudulent account and they have told me that I am no longer authorized to dispute this account because it was verified by the company. I contacted XXXX XXXX on XX/XX/2017 and spoke with a supervisor named XXXX and he conducted a search and nothing came up using my social or name. I was asked to fax over information ( social, utility bill and DL ) the company used this information to update this fraudulent account.

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 2021-09-24
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased an order from Sams club on XX/XX/2021 and received the order today XX/XX/2021 but, I did not receive the " whole '' order, only a partial order. I ordered two bags of crunchy XXXXXXXX, and ordered " three '' bags of XXXX XXXX but, only received " two '' bags, on delivery, ( see attachments ). I was suppose to receive " 5 '' bags total, not " 4 '' .Order # XXXX. 

I tried to call a number to speak to someone about the issue to no avail. I could not understand the XXXX on the phone, they could not speak XXXX  XXXX too well. I tried to call Synchrony Bank Corporate headquarters, but was sent back to the XXXX who I could not understand speaking, so I could not get the issue resolved. I want a refund or a replacement, period.

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 2023-05-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is stated under resolution requested.. As I simply want my monies returned, and hard copy of all, requested documents mailed to m, at my home address.

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 2020-01-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Both my husband and I applied for the {$120.00} Equifax offered for their breach, after they said we qualified for it, and now simply because too many people applied for what they offered us, now they say it will much less than {$120.00}. This is unacceptable because they are supposed to be compensating US for THEIR breach, so it should not matter how many people apply. They should be forced to live up to their original offer of {$120.00} each. The CFPB should not allow the amount to be lowered simply because they hurt more people than they thought they did!!! Also, why are we waiting many months for this compensation??? Give it to us now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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 XXXX XXXX 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

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