BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I submitted a dispute to the credit report agency Trans Union, XXXX  and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX  of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED 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 2023-12-14
Company: Bread Financial Holdings, Inc.
State: ND
Product: Credit reporting 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:
There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I

understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-12-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I entered into an agreement with the plaintiff that would draft a payment out of my account once a month for the amount they are saying I owe. Shortly after this agreement I was served with papers that were a statement of claim. I filed an answer to the magistrate court stating that I have had a once a month deduction come out of my account to pay the debt they say I owe and I showed proof. I have now received a letter saying that I must go to court in XXXX  or I will have a judgement against me. I have been trying to email and call these people since XXXX I want this case dismissed because I am already paying and they draft the amount out of my account each month. I cant miss a day of work for this. I think they are not answering or responding because they want me to not show up and it be a judgment against me. They are sneaky and have been no help to me. When I have called I just get transferred to people that cant help me because they say its a legal matter. The court says that they will not dismiss the case unless they hear back from the plaintiff as soon as possible.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 OTHER 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 accounts 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 accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: IL
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 Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting 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 received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IL
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, and the current situation is causing me a significant amount of XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
On Tuesday XX/XX/2023, I received a text message alert from XXXX XXXX XXXX stating I was behind on a payment and that my account is maxed out to the sum of {$2200.00}. I contacted XXXX XXXX XXXX and they show no record of having an account with them, however they still reported it to Equifax which caused a XXXX point drop on my credit score. 

I contacted equifax to advise them that I wanted to dispute the information given to them by XXXX XXXX bank to restore my credit score to where it rightfully belongs and I was informed by them I would need to file a complaint with the FTC before anything could be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: SYNCHRONY FINANCIAL
State: MD
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:
Synchrony Bank allowed XXXX to charge {$7600.00} from my credit card closed account without my authorization, for furniture that I rejected because was broken and with assembly defects. 
I did not provide my signature on the delivery paperwork. 
I explicitly rejected the delivery and asked the delivery personnel to remove it from my house. I want to emphasize that the delivery was made in the middle of the night wich is unacceptable. 
I contacted the store to solve the problem and they didn't contact me on time. 
I contacted the bank and a customer service agent advised me to remove the furniture from my house. 
I did not accept the delivery, the delivery company left the furniture without my consent. 

I called many times to the bank and they confirmed me that I wouldn't be charged.

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 2023-12-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit reporting 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:
Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

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 2018-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a Dispute on XX/XX/XXXX with Experian for inaccurate information showing on my credit report ( dispute report # XXXX ) from XXXX XXXX XXXX for a Auto loan on a XXXX XXXX XXXX. 

XXXX XXXX place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to Experian that the account was always in good standing from inception to close but for some reason I don't know why Experian will not remove the Delinquency from my report. 

I called XXXX XXXX and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.

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 2023-12-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father designated his accounts split XX/XX/50 payable upon death to my sister and me. He bought a CD at Wells Fargo in the amount of {$160000.00}. Wells Fargo removed the Payable Upon Death beneficiary designation without informing my father on the CD. Consequently, Wells Fargo has held my fathers money for two years now in a subpar CD rolling over, refusing to pay it out, after his death. My Dad was XXXX XXXX XXXX. There was no way my Dad knew Wells Fargo removed his beneficiary designations when he bought the CD. That was specifically AGAINST his wishes!

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 2023-12-13
Company: B9, Inc.
State: CT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
They fail to block and refund a transaction of XXXX dollars from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, someone posing as a TD Bank agent, sent a text message from " TD BANK '' regarding an unauthorized charge, followed by a phone call from the exact TD Bank phone number on my card. This agent continued to inform me of charges occuring as we are on the phone and that the safety of my account was in danger. I was then instructed to move funds to my XXXX XXXX for the quickest and safest action so that my account wouldn't be in further danger to fraudulent charges. I paused when I realized this was not right and immediately hung and called the bank fraud dept. who then confirmed, they did not attempt to reach me. The fraudster, had access to my online banking once I picked up the phone. The fraudster received the funds from my XXXX XXXX. I claimed the transactions, closed the account and online banking. The bank waited days to uplaod my screenshots of calls from " TD Bank '', emails, then once I received my police report, uploaded to claim, to my knowledge. After the funds cleared out of my account, TD Bank issued provisional credit, while under investigation. XXXX calls later from fraud dept to confirm information to report to merchant, then no information for weeks. TD Bank issued a letter yesterday XX/XX/XXXX that they denied my claim and will be retracted the funds from my account. I am the victim of fraud. This is not {$20.00}. This is {$4700.00}! I plan to represent this finding against the bank for additional review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a bankruptcy XXXX  XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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 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 2023-12-12
Company: Experian Information Solutions Inc.
State: AZ
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:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : 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 XXXXXX/XX/XXXX. PLEASE REMOVE PURSUANT TO SECTION 605B.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2021-10-28
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: Their investigation did not fix an error on your report

Complaint:
Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

Company response to consumer: Closed with explanation