BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX  XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX XXXX {$540.00} XXXX  XXXX {$530.00} XXXX XXXX {$700.00} XXXX {$1000.00}

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 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
In XXXX and XXXX XXXX we were charged with over {$5000.00} for items from XXXX we did not purchase. We called XXXX and gave them the order numbers supplied by Bank of AmericaXXXX XXXX Credit Card. XXXX had no record of us purchasing these items plus we have never used the BOA credit card for XXXX purchases. We have a XXXX bank credit card for XXXX purchases. 

We filed a complaint with BOA and they absolved us of the charges in a letter dated XXXX XXXX XXXX But then on XXXX XXXX, XXXX BOA sent us letters and put the charges back on our account, We then reopened the fraud claim and they have denied it. We requested proof that the purchases were delivered. BOA refused, We don't not what else to do.

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 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one is decreasing credit limits on a mass scale without notice. I have been a customer for many years and pay an annual fee for my credit card. Without notice my credit limit was decreased from {$9000.00} to {$2000.00} on XX/XX/2020. I called Capital One today and they stated that my limit was reduced because I was not using the my available credit. This is in direct contradiction to our original agreement where I was told my account would be reviewed every 6 months for a credit line increase. As a result of this change my credit utilization will significantly increase and my credit score will significantly decrease. This will cause irreparable harm to my financial status. Moreover, it is socially irresponsible for Capital One to reduce limits in a time when people will need to depend on their credit the most, when CapitaXXXX Once has been afforded the opportunity to make massive profits in our economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

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 2018-03-07
Company: Experian Information Solutions Inc.
State: NY
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 unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}

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 2021-03-02
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 have tirelessly contacted the bank. Ive even contacted Experian but Experian still has inaccurate information on my report. XXXX XXXX tells me they cant see back to XXXX and cant remove the late payments. But I can see back to XXXX through my statements. 
Ive told them I have proof of payment via transfer directly to credit card & yet on Experian this XXXX and XXXX days late as of today it has not been removed. 
This is harmful and is becoming seemingly malicious.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I had this XXXX  XXXX  in the XXXX XXXX of my XXXX XXXX and I was rushed to the XXXX  of XXXX XXXX XXXX Hospital in XXXX Delaware, I was seen by a female doctor, she asked me if I had Insurance and I said no, she requested an XXXX and she diagnosed XXXX, she wrote a prescription to take to the pharmacy, I was not able to treat the XXXX until I got a job with XXXX XXXX XXXX XX/XX/XXXX, I received a Medical bill of XXXX dollars and change and I started making prompt payments, through an arrangement that reduces the amount to {$790.00}, to my surprised, I called to make a payment and I spoke with this female representative who told me that she could not find any bill in my name or address at the time because of that she could not receive the payment, since then I have not received any corresponding letter from the doctor 's office or XXXX XXXX Hospital . My Credit was flagged on XX/XX/XXXX, via XXXX by TRANSWORLD SYS INC/XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, PA, XXXX, I immediately called the above collector, spoke with a female customer service agent, who was very intelligent and accomodating also put in a Dispute on my behalf to the XXXX XXXX XXXX Hospital. I have worked over the months to bring my credit score to a Good score and this scenario have drastically reduced my score, I'm kindly requesting CFPB immediate intervention to help restore my Good Credit Score, thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I DO NOT KNOW ANYTHING ABOUT IT AND IN NO WAY IS ANY TRANSACTION MADE BY ME IS RELATED TO THIS ACCOUNT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
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: Was not notified of investigation status or results

Complaint:
Please remove these inaccuracies on my report it has been months and I have not been notified by neither of the bureaus investigation results into this matter this is extremely frustrating and not fair to me please investigate and remove these inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: CO
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:
This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: GA
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 did not authorize these companies to make any inquiry and view my credit report. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX 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 XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018, I moved from my home in XXXX  to XXXX. I put my home on the market and did not get any offers until a short sale offer was made in XX/XX/2018. My real estate agent, attorney and I completed the forms for the short sale and sent them to Nationstar Mortgage. We did not receive any response. After numerous calls and letters requesting a decision, I filed a complaint with the CFPB. Nationstar still would not make a decision and the buyer backed out of the offer. We then received a new offer that was slightly higher but still a short sale. Nationstar then sold the mortgage to XXXX XXXX XXXX. XXXX then required us to complete all new paperwork, which we did. After two years of asking for the short sale to be processed, XXXX then decided to not accept the short sale. The foreclosure sale has been continually adjourned for future dates and each month XXXX reports delinquent payments to my credit report. Today I received a civil action notice from Nationstar Mortgage seeking over {$50000.00}. How does a mortgage company that sold my mortgage over two years ago, file a civil action against me? I have been trying to get this property sold for over three years now and each time it has been held up by a mortgage company refusing to process or even answer the paperwork we filed with them. I have reached out on numerous occasions to the CFPB and have not had any resolution. How am I responsible for additional monies due when the reason for these additional costs is the mortgage companies ' refusal to process the sale offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has a charge on my credit and it is wrong! they are stopping me from being able to lease another apartment and causing lots of stress.I tried to dispute because the online information said ask for proof and corection they continue to not do this! 1 they had mold and everyone had no choice but to move and would not have any fees but im sooo confused also on my credit report its not even reported like accurate???

The balance is wrong ..The high credit??? im confused and dates of acivity is all wrong .. this account has no reason to be reporting on my credit report regardless ... They make these crazy attempt to always say accurate how and can never send proof of all thAT HAS been asked for this is illegal and im just in shock that its allowed ..Every credit report they report something differnt so how in heaven name can it all be accurate????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian has a completely different reference # than the other 2 bureaus, XXXX  is missing the date settled, all bureaus are missing the liability amount and status of the 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 explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX has a completely different reference # than the other 2 bureaus, XXXX is missing the date settled, all bureaus are missing the liability amount and status of the 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 explanation
Consumer complaint received 2020-08-26
Company: DISCOVER BANK
State: MI
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:
Discover filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

Discover is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with Discover on XX/XX/2020 around XXXX I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that Discover had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

Discover is using predatory tactics, and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History

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 2020-09-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the Equifax breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX 9 ) XXXX-XXXX  10 ) XXXX/ XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-01-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter from Synchrony Bank in XXXX informing me that I needed to activate a Mastercard rewards card that would replace my existing credit card associated with a CareCredit account managed by Synchrony Bank. When I activated the card, a new account with Synchrony was opened and the old account I had with them was closed. I contacted Synchrony in early XXXX to resolve the issue, as I had never authorized the company to open a new account or applied for a new card. The representatives that I spoke to shrugged off my issue and I received a typed response from Synchrony informing me that by activating the new card, I had agreed to an upgrade of the my account and the old account was considered, " Account closed due to TRANSFER. '' Synchrony 's actions had a direct impact upon my credit score and I believe they possibly broke the law by opening a new account and closing an old account without my authorization.

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