BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TO WHOM IT MAY CONCERN I LOOK AT MY CREDIT REPORT AND SEE WHERE MY NAME HAVE BEEN USE AND I BEEN DISPUTING THE INFORMATION WITH TRANSUNION SEVERAL TIMES AND THEY NEVER SEEN ME ANYTHING IN MAIL SAYING THAT THE ACCOUNTS WAS VALIDATED. THE ACCOUNT IS NOT MINE AND PLEASE HELP 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 2019-09-09
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened Meijer credit card in XX/XX/2018. The initial credit limit was {$500.00}. I made purchases in XXXX that totaled around {$300.00}. I also had XXXX  XXXX that charged around {$8.00} each billing cycle. I was making payments each month to bring down the balance but fell behind a couple payments and was charged late fees of {$30.00} plus a month. These fees ( XXXX XXXX/interest/Late fees ) added up and made the balance {$440.00}. In XXXX the limit of the card was decreased to {$400.00} causing it to seem as if I had exceeded my credit limit, causing damage to my credit score. Is it legal/ethical for credit card companies to decrease a limit and creating an over the limit scenario?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, 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 've disputed several accounts with Equifax as fraud. I even sent a request via mail and never gotten resolution. Equifax fails to accurately verify the accounts. Several accounts are fraudulent and upon contacting the creditors they all stated that the address and social security does n't match. The following accounts are fraud : 1.XXXX XXXX Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX  Account # XXXX 6. XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
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:
I had called and cancelled my card on XX/XX/2019, I was informed of what the pay off balance would be and I paid it during that time. I was unhappy with the service Citi provided with how they handled, or not handled my fraudulent charges that occurred due to a data breach. I decided to cancel & pay off the balance to end my services with them. I called again on XX/XX/XXXX to follow up and make sure that they had updated their records since the withdraw of {$1000.00} was withdrawn from my bank account on XX/XX/2019. I was assured that they received the amount and that there was a credit of {$.00} on my account that covered a total of {$1000.00} balance. I saw that this popped up on my credit report with notes saying bad debt and that it was closed by the card company which is not true at all. I have provided my bank statement and a letter from them after their investigation to show that they were paid in full and closed on my behalf. It is absurd that I have to keep updating something that was taken care of almost a year ago. I had recently started getting harassing calls again about this paid balance. 

I have a letter from Citi saying that the account is closed with a XXXX balance and that I paid the amount owed, my bank statement shows this as well. I submitted multiple times to Citi and they keep saying the same thing. It has yet to be removed from my XXXX  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 2023-06-16
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: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 non-monetary relief
Consumer complaint received 2019-09-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I became a victim of identity theft and filed a police report in the beginning of XXXX. I have been to TD Bank to sign my signature for paper work for the fraud department. I have been dealing with this for 6 weeks and TD Bank has been holding my funds, not letting me know what is going on with my money. None of my money is in the accounts. After filing for for fraud, the staff at TD Bank told me that I had 30 days to open a new account for my money. I did just a few days later when my accounts were frozen, the new ones were frozen the very next day from when I opened them. I am getting different stories from TD Bank staff. That I have shouldn't of opened one, and then another bank manager tells me that I needed too. No one knows what is going on with my complaint, I have no money to run my business and I can not pay my staff. I am on 6 weeks and my staff is about to leave and I am about to lose my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA
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:
First Investors continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

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 2020-04-29
Company: EQUIFAX, INC.
State: GA
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX  XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: CA
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:
I implore you to promptly update my account as I have consistently made timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: KY
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 submitted a dispute on XXXX/XXXX/XXXX in regards to some inquires on my report that I did not initiate. The same day Equifax sent me a response saying that the inquires were all valid. I had at least 10 Inquires that I disputed and I know that in one day they did not verify them all. I also have never signed anything or gave consent on any of these inquires and there is a fraud alert placed on my account due to someone trying to get credit in my name fraudulently. I am upset because Equifax did not investigate these items and there is no way they verified them all accurately in one day. I feel that they just tried to feed me some XXXX, thinking that i would just accept it. I mean they did not even wait the 30 day period they normally take to investigate. They just sent me my dispute back the same day saying it was verified which i know for a fact is wrong because i have not signed or authorized anything with these companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for XXXX} from XXXX XXXX XXXX XXXX ( USA ). 

I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. 
It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''? 

When I checked on XXXX XXXX XXXX 's website, it shows they hire a third party, Resurgent Capital Services, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence. 

I have cc : 'd all correspondence to the General Sessions Court in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages. 

What XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
XX/XX/2022 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. 

From the beginning of this year, I have called TransUnion credit reporting several times, to request a full hard copy of my credit report. 
And for some unknown reason, they are not providing me with one. 

I have applied for credit with different businesses, and I have been told that they could not access my TransUnion credit file, and I would like to know why. 
I have found that within the past few years, TransUnion has not been updating my credit score, nor my credit file with updated information. 

I want my credit file, as well as my credit score updated. 
And I do not want any Alerts, Freezes, or Promotional Blocks, placed onto 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 non-monetary relief
Consumer complaint received 2023-05-31
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
I had a home loan with XXXX XXXX XXXX XXXX in XXXX in XXXX Bank of America took over the account due to some legal issues with XXXX XXXX XXXX XXXX in XXXX the home went into foreclosure at that time I move to XXXX XXXX Bank of America in XXXX reported on my credit report that it was a eviction the eviction is not correct it was foreclosed I move to XXXX XXXX and did not stay in XXXX the information provided by Bank of America is incorrect and I want to have that information removed from my Consumer Reports I was told that I had to contact your Bureau in order to have it removed Bank of America and XXXX XXXX XXXX XXXX have already removed the information from my credit report but it is my understanding that it is still on my Consumer Reports please look into this matter and have the information corrected and removed it is showing that it should be remove according to credit reporting agencies in XXXX or XXXX of this year I do not want to wait to have incorrect information removed from my 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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: MA
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:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SYNCHRONY BANK * care credit XXXX XX/XX/XXXX ) {$0.00} balance *old navy XXXX XX/XX/XXXX ) {$0.00} balance *tjmaxx ( XX/XX/XXXX ) {$0.00} balance *jcpenny ( XX/XX/XXXX ) {$0.00} balance *amazon ( XX/XX/XXXX ) {$410.00} balance the above accounts have been closed I am guessing the following accounts will soon also be closed but as of XX/XX/XXXX they are currently open **lowes balance {$610.00} appx. bal. 
**BP gas card {$450.00} appx. bal **QVC {$400.00} appx. bal. 
The letter or email states balances are to high on credit accounts, to many open accounts. 
I have never been late on any accounts, to any SYNCHRONY held accounts nor any other creditor. 
During this time due to covid some of my credit card balances have increased. 
However, I have not failed to make above minimum payment due on time. 
I am having an issue with ine account that is HOME CREDIT credit card. 
In XX/XX/XXXX, HOME CREDIT discontinued and closed all HONE CREDIT cards entirely for everyone. 
At that time I/WE were informed that the accounts would be serviced by XX/XX/XXXX. XX/XX/XXXX I attempted to make a payment by the APP on my phone 1 day after recieved notice that the payment was rejected, I called and after 4 days finally spoke to customer service made payment by phone. Currently, I have 5 different companies attempting to collect payments for this account Home Credit, XX/XX/XXXX, XXXX XXXX, XXXXXX/XX/XXXX and XXXX. I refused to pay until this is sorted out and I am sure what company is going to be the only company collecting this account. 4 of the 5 are reporting this 1 account as 4 different pass due accounts. I have filed account with the Pennsylvania AG consumer bureau about the HOME CREDIT account. 
This affected my credit score. However, what SYNCHRONY BANK is doing is affected my credit severely and in turn using the damage to my score to justify further closing additional accounts. Effectively, closing 1 account then saying the percentage if use to credit available is to high. Then the balance ratio increases so they use that to clise another then another etc.

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 2022-10-04
Company: CORELOGIC INC
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

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 2023-06-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Account holder has control over positive pay of which is a fraud protection service that allows account owner to manually write checks through the banking system while not experiencing any delays or encumbrances. My account is being tampered within the bank but by 3rd party individuals who work remotely from home. The checks that were manually issued by maker are being unissued by the bank and put through as needing approval after the check has cleared the system. This causes excessive return fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: CA
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 absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
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: Information belongs to someone else

Complaint:
I am a Victim of Identity Theft. I did Not give any Consent to anyone to open any Accounts

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 2019-10-11
Company: EQUIFAX, INC.
State: SC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime is refusing to unblock my account and has been for the past two months. I had tried to transfer money to another bank account but it was sent back due to my clearview bank transactions being blocked. Because of this chime blocked my account and refuses to unblock it even when I show them the proof that they ask for. Each time I show the proof they send me another email with completely different details needing to be met. And when I still show the documentation they just repeat the email with different qualifications refusing to give me access to my money. This has been a hugely incredible hindrance to my life and has affected the children I provide for.

Company response to consumer: Closed with explanation